Student Loan Planner

Travis Hornsby
  • 4.8 (166)
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Student Loan Planner

Travis helps you navigate the insane world of student loans, especially if you owe $20,000 to $1 million. If you've ever spent too much time on the phone with your loan servicer, this is the show for you. Every week we share tips on loan forgiveness, investing, crushing debt, and how to get to financial freedom when you owe more than most people's mortgage.

  1. The Senate Student Loan Bill Is Much Worse Than Expected

    HACE 1 DÍA

    The Senate Student Loan Bill Is Much Worse Than Expected

    The Senate just dropped its version of the student loan reform bill, and let’s just say… it’s not great. In fact, it’s worse than expected, especially if you have six-figure student debt, Parent PLUS loans, or are a future student. Learn what’s at stake, how it could completely reshape repayment options, and who (besides private lenders) might come out ahead. More importantly, you’ll learn what you can do now to protect yourself if the bill moves forward. If student debt is part of your financial life, don’t miss this one.   Key moments:   (00:52) SAVE and new IBR borrowers could be forced into old IBR under the Senate bill (02:18) New rules could turn marriage into a major cost for student loan borrowers (02:48) Parent PLUS borrowers face the harshest penalties under this proposed legislation (07:14) Future borrowers need a plan before taking loans after July 2026 under the new rules (09:18) There's still a whole lot that you can do if you're an existing borrower   Links mentioned:   StudentAid.gov - The official federal site for consolidating student loans   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

    13 min
  2. Why Lowering AGI Is More Important Than Ever

    10 JUN

    Why Lowering AGI Is More Important Than Ever

    If the GOP reform bill moves forward, lowering your adjusted gross income (AGI) won’t just be helpful, it’ll be more important than ever for student loan borrowers. We explore what could change, who’s most at risk, and what steps you can take to protect your paycheck. From maxing out pre-tax retirement contributions and HSAs to leveraging self-employment and smarter tax planning, we’ll walk you through practical ways to lower your AGI — and why it might be the biggest factor in your student loan repayment. Key moments: (04:18) Business owners may gain an edge with deductions if the GOP bill becomes law (07:53) Many haven’t felt the full weight of student loan payments in a while — that may soon change (13:55) If this bill passes, 1099 or self-employed work might offer major financial advantages (16:05) Expect to lose 50–60% of your income to loans and taxes unless you lower your AGI Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

    21 min
  3. Listener Q&A: What Could This New Bill Mean?

    3 JUN

    Listener Q&A: What Could This New Bill Mean?

    Get real answers to real questions student loan borrowers are asking about PSLF processing delays, confusing buyback calculations, switching repayment plans, and trying to understand how recent legislation might affect their loans. You’ll get the latest updates on what’s happening behind the scenes and what those changes could mean for you. We also cover practical, actionable steps, like how to time your income recertification, what to consider if you’ve had a long forbearance period, and a lesser-known deferment option for borrowers undergoing cancer treatment. Key moments: (02:58) PSLF buyback uses the lower payment: before or after forbearance, whichever is smaller (13:30) Forgiveness is likely best when student debt is double your income or more (19:59) SAVE plan delays create confusion; should you switch IDR plans or wait it out? (31:29) Moving abroad may lower your AGI and help secure smaller payments toward forgiveness (35:45) FMLA and income recertification: what to know before submitting updated income documentation Links mentioned:  Apply for income-driven repayment (IDR) plans Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

    40 min
  4. Future of Student Loans Now Depends on the Senate

    27 MAY

    Future of Student Loans Now Depends on the Senate

    Student loan reform just cleared the House in what’s officially called the “One, Big, Beautiful Bill.” If it becomes law, it could overhaul repayment into just two plans: the Old IBR plan and a new Repayment Assistance Plan (RAP) that scales payments between 1% and 10% of income over 30 years. But nothing is final. The next step is the Senate, where the path forward is less certain. We explore what the House bill includes, what changes could mean for current and future borrowers, and the broader implications for repayment, forgiveness, and access to education. Learn about key policy details, potential legal challenges, and what you should watch as the conversation continues in the weeks ahead. Key moments: (05:41) If courts strike down SAVE, it could force a rewrite of the student loan section of the bill (07:55) Changing voter turnout patterns could reshape midterm election outcomes in unexpected ways (11:35) Future students may lose PSLF eligibility for residency programs (14:44) Proposed changes could hit universities hard, leading to major job losses across higher education (17:16)  Estimate your RAP payment to see what’s affordable and compare your repayment options Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

    19 min
  5. Who Would Switch to the “RAP” Plan?

    20 MAY

    Who Would Switch to the “RAP” Plan?

    The Repayment Assistance Plan, aka RAP, is another student loan overhaul, and people have a lot of questions. Learn what this plan actually is, why it matters right now, and the real chances of it becoming law. If you're wondering when or if you could switch to this plan, we've got you covered. The RAP might completely change how student loan repayment works. We're unpacking all the details and what you might want to keep in mind if you’ve got loans. Key moments: (03:55) If you’re close to forgiveness, sticking with IBR will probably make more sense (05:16) This administration is rushing student loan changes before finalizing regulatory details (09:59) There’s still a long way to go, and some Senators just want to bring back REPAYE (13:08) Graduate professions would lose diversity if only students from wealthy families could afford them   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

    18 min
  6. Scenarios for the Republican Student Loan Bill

    13 MAY

    Scenarios for the Republican Student Loan Bill

    The Republican student loan bill is gaining steam and could seriously impact your repayment strategy. Let me break it down for you: undergrads might actually see some benefits here, but if you've got grad school debt? You might want to sit down for this one. Current borrowers won't get hit as hard as future ones, but painful changes could be on the horizon. Get insights into the legislative process, the strategy behind budget reconciliation that's pushing this bill forward, and practical ways to think ahead while the details are still in flux. Key moments: (05:30) PSLF could be eliminated through reconciliation with a simple majority vote (06:45) A look at the proposals currently being considered in the bill (09:13) The bill slightly helps undergrads while potentially devastating graduate borrowers (14:48) Loan limits could restrict first-generation students from accessing medical, dental, and veterinary programs (18:30) This "Big Beautiful Bill" will likely reach the President by September Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

    27 min
  7. Endings, Beginnings, and the Next Chapter for SLP Wealth

    9 MAY · CONTENIDO EXTRA

    Endings, Beginnings, and the Next Chapter for SLP Wealth

    Guess what? We are moving this Friday episode over to the new Financially Free Era podcast! It is the next step to your financial planning journey after your student loan plan has been tackled with us here at Student Loan Planner. We hope this new show will answer your questions of: What else do I need to do? What else can I do to optimize my savings? How can I start saving for that goal that I have?" SLP Wealth was born to be that next step. So naturally, we need to start separating from our initial starting point, which is Student Loan Planner. So we have created a whole new show: Financially Free Era by SLP Wealth.   Follow and Subscribe for free to the new show! Follow on Apple Podcasts, Spotify, Amazon Music, iHeart Radio, or Pocket Casts

    2 min
  8. Why Your Savings Rate Is Probably Too High

    6 MAY

    Why Your Savings Rate Is Probably Too High

    Can “save more” be bad advice? We’re pulling back the curtain on something financial advisors rarely discuss: how saving too much can harm your quality of life. We'll unpack the uncomfortable truth about how all professions, including my own, handle potential conflicts of interest. This isn't about vilifying financial planning — it's about making sure the help you get is truly in your best interest, and not just serving someone else’s bottom line. Key moments: (01:31) When financial planners pressure clients to invest bonuses rather than enjoy them (04:36) Fee structure matters less than the value received for the financial advice given (08:12) Most people overspend on things they don’t even like (15:50) Bad advice often comes from people who don’t understand your situation Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

    20 min
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Travis helps you navigate the insane world of student loans, especially if you owe $20,000 to $1 million. If you've ever spent too much time on the phone with your loan servicer, this is the show for you. Every week we share tips on loan forgiveness, investing, crushing debt, and how to get to financial freedom when you owe more than most people's mortgage.

Información

  • Creador
    Travis Hornsby
  • Años de actividad
    2018 - 2025
  • Episodios
    394
  • Clasificación
    Apto
  • Copyright
    © Copyright Student Loan Planner®. All Rights Reserved.
  • Mostrar sitio web
    Student Loan Planner

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