Three Real Student Loan Situations, and What the Transition Rules Actually Do to Each One

CSLP Team

Published on: 25/09/2026

A borrower who left PAYE years ago. A Parent PLUS consolidation. A borrower with 17 years of IBR credit. Here's how the current transition rules apply to each.

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PAYE, ICR, IBR, RAP, or Fixed. Here's How to Actually Choose.

CSLP Team

Published on: 25/09/2026

Five repayment plans, one decision. Here's the decision framework advisors use to match a borrower's actual facts to the right plan during the transition years.

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PSLF Isn't Going Away. Your Repayment Plan Menu Is.

CSLP Team

Published on: 25/09/2026

PAYE and ICR are being phased out, but PSLF itself isn't ending. Here's how to keep your qualifying payments on track while the plan menu changes underneath you.

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Your Parent PLUS Consolidation Might Be Your Only Way Into IBR. Here's the Exact Path.

CSLP Team

Published on: 25/09/2026

A Parent PLUS consolidation disbursed before July 1, 2026 can open a bridge from ICR into IBR. Miss the timing or the payment requirement, and the bridge doesn't exist.

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