Is Student Loan Forgiveness Dead?

Is Student Loan Forgiveness Dead?

From Student Loan Planner by Travis Hornsby

March 31, 2026 · 26 min · Episode 420

About this episode

The episode discusses the implications of the OBBB Act on student loan forgiveness and provides insights on various related topics.

Figuring out how to pay for grad school is about to get a lot trickier—and the fate of student loan forgiveness hangs in the balance. We break down what the One Big Beautiful Bill (OBBB) Act means for new grads, why programs like PSLF and SAVE are under the microscope, and how upcoming changes will shift federal loan limits and forgiveness options. We tackle real listener questions on recertifying your income during a dental residency, PSLF processing times, loan capitalization, and married filing strategies. Key moments: (02:29) The new rules after July 2026: federal loan limits and the RAP plan for grad/professional students (03:32) Whether you can avoid in-school deferment to earn IDR credit during residency (06:14) How recertifying income before forgiveness can impact your spouse's payment under IDR (07:41) Why PSLF buyback is moving at a glacial pace, but traditional PSLF is still processing (13:12) Who will still benefit from forgiveness after the OBBB Act Resource mentioned: studentloanplanner.com/voicemail – submit questions to the show Like the show? There are several ways you can help! Follow on Apple Podcasts , Spotify or Amazon Music Leave an honest review on Apple…

Topics covered

  • student loan forgiveness
  • grad school funding
  • PSLF
  • federal loan limits
  • income recertification

Keywords

  • OBBB Act
  • PSLF processing
  • loan capitalization
  • married filing strategies

Mentioned in this episode

Products: studentloanplanner.com

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