Student Loans
The Education Department will begin garnishing the wages of borrowers who are in default on their federal student loans starting in January, according to reporting by The Washington Post and The New York Times this week. The department will start issuing wage garnishment notices to borrowers by the second week...
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Published on: 2025-12-24
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Student Loan Planner
If your student loan monthly payments are unmanageable and a source of major stress, student loan forgiveness can be an attractive option to lessen the burden of debt. There are many types of student loan forgiveness programs. You can get your student loans forgiven by meeting a program's criteria and...
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Published on: 2025-12-23
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Student Loan Planner
I enjoy budgeting because I love the peace that it brings. Knowing that our needs are covered and that we are working toward our goals greatly reduces my overall stress. While no one likes expensive budget curve balls, they’re so much less stressful to manage when you’re on top of...
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Published on: 2025-12-22
Source:
Six Figures Under
If you’re reading this as a professional with significant student debt, there’s a very good chance you don’t have enough financial protection for your family in the event you died tomorrow. It's tough to think about, I know. The good news is that you can eliminate this danger very cheaply...
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Published on: 2025-12-22
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Student Loan Planner
It’s no secret that great minds think alike. That’s probably one reason why it’s common for people to choose a spouse based on their own profession. For example, in one study based on U.S. Census data, 16% of married people in the education and healthcare industries were married to another...
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Published on: 2025-12-22
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Student Loan Planner
Lender and Bonus disclosure THIS IS AN ADVERTISEMENT. YOU ARE NOT REQUIRED TO MAKE ANY PAYMENT OR TAKE ANY OTHER ACTION IN RESPONSE TO THIS OFFER. Earnest: $1,000 for $100K or more, $200 for $50K to $99.999.99. For Earnest, if you refinance $100,000 or more through this site, $500 of the...
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Published on: 2025-12-18
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Student Loan Planner
If you’re a chiropractor, or want to become one, you should know about the extreme unfairness toward the profession that exists today. Chiropractors are treated horribly under student loan rules. Students who graduate with huge chiropractic student loan balances aren't eligible for the best forgiveness options. They also don’t earn...
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Published on: 2025-12-16
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Student Loan Planner
Starting in July 2026, new federal loan limits will fundamentally change how graduate and professional programs operate. Graduate borrowers will face a lifetime cap of around $100,000, while professional programs will be capped at around $200,000. Most people focus on the borrowing limit itself. That’s understandable, but it misses the...
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Published on: 2025-12-16
Source:
Student Loan Planner
Lender and Bonus disclosure THIS IS AN ADVERTISEMENT. YOU ARE NOT REQUIRED TO MAKE ANY PAYMENT OR TAKE ANY OTHER ACTION IN RESPONSE TO THIS OFFER. Earnest: $1,000 for $100K or more, $200 for $50K to $99.999.99. For Earnest, if you refinance $100,000 or more through this site, $500 of the...
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Published on: 2025-12-13
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Student Loan Planner
For married student loan borrowers, your tax filing status — “married filing jointly” versus “married filing separately” — affects how much you pay in taxes. It also impacts how much you pay on your monthly student loan payment if you’re using an income-driven repayment (IDR) plan, such as PAYE, IBR...
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Published on: 2025-12-09
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Student Loan Planner
After planning the surprise Florida trip for our anniversary, I was eager to dig into planning another trip for the two of us. I wanted to take advantage of my Southwest Companion Pass, so I looked through all of the destinations with Mike. I told him that in addition,...
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Published on: 2025-12-08
Source:
Six Figures Under
Lender and Bonus disclosure THIS IS AN ADVERTISEMENT. YOU ARE NOT REQUIRED TO MAKE ANY PAYMENT OR TAKE ANY OTHER ACTION IN RESPONSE TO THIS OFFER. Earnest: $1,000 for $100K or more, $200 for $50K to $99.999.99. For Earnest, if you refinance $100,000 or more through this site, $500 of the...
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Published on: 2025-12-05
Source:
Student Loan Planner
Lender and Bonus disclosure THIS IS AN ADVERTISEMENT. YOU ARE NOT REQUIRED TO MAKE ANY PAYMENT OR TAKE ANY OTHER ACTION IN RESPONSE TO THIS OFFER. Earnest: $1,000 for $100K or more, $200 for $50K to $99.999.99. For Earnest, if you refinance $100,000 or more through this site, $500 of the...
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Published on: 2025-12-04
Source:
Student Loan Planner
Income-driven repayment (IDR) plans help federal student loan borrowers avoid unmanageable payments. Generally, as your income increases, so does your monthly payment. However, IDR plans like Income-Based Repayment (IBR) and Pay As You Earn (PAYE) offer a safeguard by capping payments at a level comparable to the 10-Year Standard Repayment...
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Published on: 2025-11-30
Source:
Student Loan Planner
Years ago, before we started budgeting, I was always stressed out about money. Every transaction had me on edge. While we didn’t carry any credit card debt, we used credit cards. I felt like my mind was always bogged down with thinking about how much the credit card bill would...
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Published on: 2025-11-21
Source:
Six Figures Under
One of the most anticipated Christmas activities at our house is our Christmas book countdown. All of our kids, currently ranging from 6 to 17, enjoy this nightly tradition to count down the days in December until Christmas. Even though most of the books are the same every year, there...
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Published on: 2025-11-18
Source:
Six Figures Under
Some of you might think we are crazy after I shared our new financial adventure. We were making great progress on paying off our home extra fast when my husband had the idea to invest in another property. It wasn’t a turn-key property either. We knew it was going to...
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Published on: 2025-10-31
Source:
Six Figures Under
I went a few months without sharing a budget update, but I’m back at it. We were still managing our money with YNAB as we always do, I just didn’t write a blog post to share all of our details for the past few months. Why do I share my...
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Published on: 2025-10-21
Source:
Six Figures Under
It’s commonly said that you can afford anything but you can’t afford everything. That might not be entirely true. There are certainly some things that I (and probably you) couldn’t buy even if we used every dollar we had. But the sentiment is so true. We all make choices daily...
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Published on: 2025-10-14
Source:
Six Figures Under
I alluded to some budget surprises in our June 2025 Family Budget Update, but I wasn’t quite ready to talk about how our finances would be changing yet. I was still alternating between shock, fear, excitement, and dread. Frankly, I wasn’t sure how to tell you all that we chose...
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Published on: 2025-10-06
Source:
Six Figures Under
As a family of eight with financial goals, we are all about saving money on the things that don’t matter to us so that we can be free to spend on the things that are our priorities. My husband and I were both raised in frugal families, so we aren’t...
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Published on: 2025-09-24
Source:
Six Figures Under