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Student loans are confusing even when you’re doing everything right. After years of long hold times, conflicting answers, and advice that never quite fits, you may just want a straight answer. That’s what we give you.
Lower my payment IDR, IBR, RAP, consolidation, and the payment math that actually matters. Get loan forgiveness PSLF, IDR forgiveness, disability discharge, and count problems. SAVE or IDR changed What to do now, what still counts, and which plan fits your file. Parent PLUS loans Consolidation deadlines, payment options, and forgiveness paths for parent borrowers. Private student loans Settlement, lawsuits, cosigners, default, and bankruptcy options. Default or garnishment Refund taken, paycheck hit, collection notice, or court papers. Bankruptcy When discharge is real, what courts look at, and how to start. Find my lender Sallie Mae, Navient, MOHELA, Discover, and confusing owner or servicer names.
Guides & tools
Use the calculator, form, or guide that fits.
Calculator IDR calculator Estimate payments under RAP, IBR, PAYE, and ICR side by side.
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Timeline Student loan deadlines Parent PLUS, SAVE exits, and IDR sunset dates in one place.
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Paperwork Federal forms The forms you need without the runaround.
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Court tools Bankruptcy documents Complaints, motions, and filing references for student-loan bankruptcy work.
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Plain English Glossary Decode acronyms, plan names, loan types, and servicer language.
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Library Browse all guides Search the full Tate Esq article library by topic or phrase.
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Current changes
Big student-loan rules worth understanding.
Not every update needs a breaking-news banner. These are the changes borrowers are most likely to feel in their monthly payment, paperwork, or forgiveness timeline.
Rules July 1, 2026 student-loan changes RAP launches, older plans start winding down, and Parent PLUS borrowers face sharper limits.
Read the guide Repayment SAVE, IBR, and RAP If your plan changed or your payment jumped, start with the repayment path.
Read the guide Parents Parent PLUS consolidation The deadline is not just an application date. Processing time matters.
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We’ve consulted with more than 30,000 people and advised on roughly $2 billion in student-loan debt.
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