Podcasts about IBR

If you've been riding the SAVE Plan forbearance wave, a big shift is headed your way. The Department of Education announced that the SAVE forbearance will officially end on August 1, 2025. That means interest starts ticking again, and borrowers will be pushed to switch repayment plans. Most will be steered toward the old Income-Based Repayment (IBR) plan, especially with the One Big Beautiful Bill Act set to overhaul everything in July 2026. But you've still got options. Find out what the end of SAVE forbearance means for your loans, what the government is recommending (and why), and how you can make the smartest move for your student loans. Key moments: (04:01) Choosing between IBR and RAP depends on PSLF status, years in repayment, and forgiveness goals (07:46) PSLF isn't dead: why potential policy reversals don't mean your forgiveness plan is doomed (09:41) When paying off your loans might actually make more sense (and how to get a lower interest rate) (14:50) After years of chaos, borrowers just want stable rules so they can actually plan their lives 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!  

There's so much going on this week so we packed it all into one episode. First up, Neal and Stumpy John took an adventure ride up to the Lost Coast in N. Cali. Everything up there is either ocean, redwoods, pot farms or vineyards, so you know the ride was epic. Next up, we spent the weekend down at Laguna Seca for the MotoAmerica races. For some of us, we've been going for years, so we focus on test riding bikes and all the things the races have to offer. For Jake 2.0, it being his first time to the races AND Laguna Seca, it was all amazing. We share our test ride stories on the CF Moto 450 Ibex, 800 Ibex and the Papeo. And Jake talks about seeing the corkscrew up close, and then what it's like to experience on the track. Liza introduces a new game called Wrong Answers Only, and pretty much regrets it immediately. Steph just got back from the Mods and Rockers rally, where scooterists and bikers all get along. Chris shares has stories on returning from the Scooter Cannonball. As a long distance IBR rider, did he have what it takes to do it on a scooter? And lastly, we read listener emails and answer some questions. with Liza, Stumpy John, Neal, Jake 2.0, Naked Jim, Bagel, Chris Comly and Steph Yue. www.motorcyclesandmisfits.com motorcyclesandmisfits@gmail.com www.patreon.com/motorcyclesandmisfits www.zazzle.com/store/recyclegarage www.youtube.com/channel/UC3wKZSP0J9FBGB79169ciew https://womenridersworldrelay.com/ adifferentagenda.com/products/the-lost-tribe-25 motorcyclesandmisfits.com/shop Join our Discord at discord.gg/hpRZcucHCT

Rep. John Ley attended the C-TRAN ribbon cutting for Vancouver's newest Bus Rapid Transit line and voiced support for more affordable, flexible transit solutions. Citing lower operating costs and faster travel times than TriMet's MAX light rail, Ley said adding BRT to the IBR could save $2 billion and better serve Clark County residents. https://www.clarkcountytoday.com/news/rep-john-ley-supports-c-tran-bus-rapid-transit-to-save-washington-money/ #JohnLey #CTRAN #BRT #TransitPolicy #ClarkCountyWA #TransportationFunding #WSUVancouver #MAXLightRail #TaxpayerSavings #InterstateBridg

Teagasc DairyBeef 500 farmer Charlie Smyth is on this week's Beef Edge podcast to give an insight into his dairy beef system and upcoming farm walk on 10th July at 7pm. Charlie explains how he purchases and rears 100 dairy beef calves every spring and operates a steer and heifer finishing system. Whether sourced directly from farms, or through local marts, calf selection is based on strong beef genetics and high Commercial Beef Values (CBV), with Charlie placing a firm emphasis on quality. Despite sourcing calves from a wide range of suppliers, a strict health plan keeps calf mortality low. All calves are put on a vaccination programme for pneumonia and IBR shortly after arrival.  Calves are outdoors about three weeks now, and they will receive their first worm dose shortly. Charlie highlights the extensive paddock system on the farm with 24 extra drinking troughs installed this year to improve grass utilisation. As the farm is fragmented in 5 blocks, managing stock groups to match demand is important and to date over 200 bales have been removed as surplus.   Along with the Smyths, Teagasc advisors and specialists will also be available on the night of the farm walk for interactive discussions and to answer all questions that arise. There will be a lot of valuable information and experiences to be shared and anyone with an interest in dairy calf-to-beef systems should attend and admission is free. For further information on the event go to: https://teagasc.ie/event/dairybeef-500-smyth-php/ For more episodes from the Beef Edge podcast, visit the show page at:https://www.teagasc.ie/thebeefedge Produced on behalf of Teagasc by LastCastMedia.com 

Peter Senn ist Dozent und Studiengangleiter am Institut für Betriebs- und Regionalökonomie (IBR) der Hochschule Luzern Wirtschaft. Seine Schwerpunkte: Human Resources Management, Change Management und Leadership. Daneben arbeitet er an diversen Forschungsprojekten aktiv mit, unterrichtet an verschiedenen Ausbildungsstätten, berät Organisationen und coacht Führungskräfte. Nach jahrelanger Erfahrung in Wirtschaft, Verwaltung und an Hochschulen weiss Peter, worauf es wirklich ankommt. In unserem Gespräch sprechen wir darüber: ✅ warum Sinnhaftigkeit im Job weit mehr sein muss als grosse Visionen oder Purpose-Buzzwords ✅ welche vier Sinnerlebnisse entscheidend sind, damit Arbeit erfüllt und motivierend bleibt ✅ was man von einem Anbügler bei der Bergbahn über Sinnhaftigkeit im Job lernen kann und warum Sinn nichts mit akademischen Titeln zu tun hat ✅ wieso viele Menschen trotz fehlender Erfüllung im Job bleiben – und was sie (oder ihre Führungskräfte) tun könnten ✅ wie echte Praxisbeispiele – vom Baumhaus-Workshop bis zum Outdoor-Leadership-Programm im Wald zu Magic Moments werden, die neue Perspektiven eröffnen ✅ warum interne Konkurrenz oft zu Stillstand statt Fortschritt führt – und was ein Krabbenkorb damit zu tun hat

“Senate parliamentarian” isn't exactly a household name, but her latest ruling is huge news for anyone with student debt. Learn what her surprise decision means for the Big Beautiful Bill Act and how it could shape repayment plans and forgiveness programs. You'll find the specifics of what this means if you're a Parent PLUS borrower, in dental and medical school, or just worried about how these policy shifts could affect your financial future. We'll take you beyond the political noise and cut through the confusion to give you actionable info you can use.   Key moments: (02:32) The current bill would essentially kick a lot of people who need to borrow after July 2026 onto the RAP plan (05:21) Future students deserve clear repayment rules upfront, not changes mid-degree like the Senate is proposing (08:45) Anybody who's ever had a parent plus loan needs to apply for the ICR plan (11:20) PAYE borrowers must be prepared to get switched to the old IBR or possibly the RAP plan (15:48) Different borrowers should take different approaches while legislation is pending   Resource mentioned:  IDR Plan Request at Studentaid.gov   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!  

The level of optimism among Irish medium-sized firms has taken a sharp fall, with an 18% contraction in the last quarter, according to the latest Grant Thornton International Business Report (IBR). The IBR, which provides insights into the attitudes of 10,000 mid-market businesses across 32 economies, revealed that while 63% of companies surveyed in Ireland are optimistic about the outlook for the economy over the next twelve months, this stands in sharp contrast to the Q1 findings where 81% of businesses surveyed stated a higher level of confidence. The research, carried out across April and May, shows that the change in mood has swept through Irish mid-market firms' view of their performance over the next year, with a 25% nosedive in predicted profitability (Q1: 80% vs Q2: 55%), a 9% decline in expected revenues (Q1: 77% vs Q2: 68%); and a 10% spike in the expectation of reduced demand (Q1: 17% vs Q2: 27%). International tariff disputes are a likely factor in the changing mood of Irish medium-sized enterprises, with almost double the level of concern among these companies (Q2: 26% vs Q1: 16%) that geopolitical disruption would be a key constraint on their business. This is starkly illustrated in the sharp fall in the percentage of Irish mid-market firms expecting an increase in revenue from non-domestic markets over the next 12 months, contracting from 40% in Q4 2024 to just 16% in Q2 2025. While the increase in concern about geopolitical disruption is significant, it is still short of the overall level of concern across the Eurozone, which stands at 44%, according to the research. The global uncertainty is similarly reflected in Grant Thornton's US CFO survey, also out this week, which reports that 46% of US CFOs surveyed are pessimistic about the U.S. economy, with 46% adjusting their supply chains to reduce the impact of tariffs. The worsening outlook in Ireland has had a knock-on effect across a range of areas, with a 10% fall (Q1: 52% vs Q2: 42%) in the amount of Irish medium-sized firms planning to invest in sustainability initiatives. This is compounding other challenges in the economy, where Irish mid-market firms are already experiencing a range of issues. For example, almost double (Q1: 27% vs Q2: 50%) the number of firms predict their labour costs will rise over the next twelve months. Similarly, there was an 18% spike (Q1: 41% vs Q2: 59%) in the percentage of companies that saw the availability of skilled workers as a key constraint on their business. Commenting on the latest International Business Report, Grant Thornton Head of Industry, Martin Shanahan, said: "Medium-sized firms, a key component of the economy, are navigating a period of global uncertainty with resilience and adaptability. While some companies are reassessing their growth forecasts, this reflects a thoughtful and strategic response to evolving global dynamics rather than a lack of ambition. Geopolitical shifts and economic pressures are prompting businesses to think more critically about where and how they invest, especially in key areas like sustainability. These challenges, including labour costs and talent shortages, are not new - but Irish mid-market firms have consistently shown their ability to innovate and adapt. The findings echo those of the Grant Thornton US CFO survey released this week, which shows an increase in pessimism amongst US CFOs earlier in the year, with companies taking proactive steps to deal with tariff and economic uncertainty in areas like pricing strategies; supply chain; cost containment and financial planning. Diversification and innovation remain powerful tools for progress. The business success stories of the future will be those companies that embrace change, invest wisely, and plant the seeds today for a more vibrant, resilient economy." More about Irish Tech News Irish Tech News are Ireland's No. 1 Online Tech Publication and often Ireland's No.1 Tech Podcast too. You can find hundreds of fantastic previous...

If you're married, there's a lot to consider in the latest student loan reform proposals. Discover what the changes being debated in Congress could mean for married borrowers, including the potential loss of “married filing separately” as a repayment strategy and how the new Repayment Assistance Plan (RAP) might affect your monthly payments. If you're single or engaged, this still matters — we'll cover what you need to know before tying the knot, plus smart moves you can make now to avoid future headaches.   Key moments:   (03:07) New rules could make marriage costly for borrowers with high student debt (10:54) RAP plan offers fewer deductions than IBR, especially for families with multiple children (16:36) Capping federal loan limits could push students toward private lenders with strict requirements (25:02) Borrowers with high debt-to-income ratios may benefit from sticking with forgiveness, despite uncertainty 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!  

In this opinion column, John Ley rebuts the IBR's assertion that traffic congestion can't be solved with more lanes. He draws on local and national examples to show how added freeway capacity has eased gridlock — and questions the logic of spending $7.5 billion without addressing the top public concern. https://www.clarkcountytoday.com/opinion/opinion-you-can-build-your-way-out-of-traffic-congestion/ #Opinion #JohnLey #IBR #TrafficCongestion #ClarkCounty #TransportationPolicy #BrentSpenceBridge #WSDOT #ODOT #CTRAN

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!  

Clark County Today Editor Ken Vance scrutinizes the C-TRAN Board's stance on covering $7.2 million annually for TriMet's light rail operations, despite an admission from IBR's Greg Johnson that other funding options exist. https://www.clarkcountytoday.com/opinion/opinion-why-would-c-tran-board-members-put-the-agency-on-the-hook-for-7-2-million-annually-if-they-dont-have-to/ #CTRAN #LightRail #ClarkCountyPolitics #KenVance #VancouverWA #IBR #TransitCosts #PublicSpending #ClarkCountyWa

Eid-ul-Adha 14469th Dhul Hijjah 1446June 6, 2025* Eid al-Adha commemorates Prophet Ibrāhīm's (a) success in fully submitting to God's will, highlighting that Islam means the struggle to surrender.* Ibrāhīm faced two key challenges in his final test: internal (love for his son) and external (Shayṭān trying to deter him three times).* The three pillars stoned at Mina represent these diversions by Shayṭān; on a deeper level, they symbolize the internal and external obstacles to submission.* The first pillar represents the evil within (nafs ammārah), the second represents devils among jinn, and the third symbolizes satanic human influences.* Ibrāhīm was victorious over Shayṭān because he had already purified his soul, fulfilling the verse “successful is he who purifies it.”* Eid al-Adha teaches us, even outside of ḥajj, to be vigilant against internal and external satanic forces.* On the first day in Mina, only the first pillar is stoned before sacrifice—showing that defeating one's own nafs is necessary to sacrifice sincerely.* Pilgrims throw 49 pebbles total across the days, symbolizing the 49 major sins in Islamic teachings—each pebble representing a dimension of evil.* We should self-reflect and identify at least seven negative traits to begin the path of spiritual purification.* While we celebrate Eid, we must not forget oppressed Muslims like those in Gaza, and we pray for the reappearance of the Mahdī to establish true justice.Donate towards our programs today: https://jaffari.org/donate/Jaffari Community Centre (JCC Live)

Robert Wallis delivers a sharp critique of the IBR project, asserting that government deceit and profit-driven consulting have eroded public trust. https://www.clarkcountytoday.com/opinion/opinion-the-ibr-project-is-a-perfect-example-of-why-less-than-25-percent-of-americans-do-not-trust-government/ #IBR #RobertWallis #WSDOT #I5Bridge #ClarkCounty #Transportation #VancouverWA #Opinion #GovernmentTrust #Infrastructure

Joe Cortright of the City Observatory explains how ongoing delays in the IBR cost estimate signal an impending $9 billion-plus price tag and the fiscal and political challenges facing Oregon and Washington. https://www.clarkcountytoday.com/opinion/opinion-another-delay-for-higher-ibr-costs/ #JoeCortright #IBR #InterstateBridge

Bob Ortblad argues that the IBR program fraudulently dismissed a tunnel alternative and compares the 520 Portage Bay Bridge and the I-5 Bridge designs. https://www.clarkcountytoday.com/opinion/letter-520-portage-bay-bridge-vs-interstate-5-bridge-replacement/ #ClarkCounty #localnews #I5Bridge #immersedtunnel #bridgecomparison #SR520 #PortageBayBridge #VancouverWA #opinion #constructioncosts

Kencan Dengan Tuhan - Kamis, 29 Mei 2025Bacaan: "Dan apakah lagi yang harus aku sebut? Sebab aku akan kekurangan waktu, apabila aku hendak menceriterakan tentang Gideon, Barak, Simson, Yefta, Daud dan Samuel dan para nabi, yang karena iman telah menaklukkan kerajaan-kerajaan, mengamalkan kebenaran, memperoleh apa yang dijanjikan, menutup mulut singa-singa." (Ibrani 11:32-33) Renungan: Seorang pahlawan biasanya adalah orang yang menonjol karena keberanian dan pengorbanannya di dalam membela kebenaran, atau seorang pejuang yang gagah berani. Banyak orang, khususnya bagi mereka yang merasakan dampak positif dari kepahlawanannya akan mengakui dia sebagai "dewa penyelamat" dalam kehidupan mereka. Berbeda dengan apa yang dialami oleh Yefta. Alkitab mencatat bahwa Yefta adalah seorang pahlawan, bahkan disebut sebagai pahlawan yang gagah perkasa. Tetapi, yang dialamı Yefta sungguh berbeda dengan apa yang seharusnya dialami oleh seorang pahlawan. Yefta menerima perlakuan yang menyakitkan dari saudara-saudaranya. Yefta diusir oleh saudara-saudaranya, padahal sejak kecil mereka hidup dan bertumbuh bersama. Ini disebabkan karena Yefta adalah anak seorang perempuan sundal. Saudara-saudaranya menyebut Yefta sebagai anak perempuan lain, suatu sebutan yang menyakitkan, sebab istilah "perempuan lain" biasanya digunakan untuk menyebut perempuan non-Yahudi. Yefta lahir di luar ikatan perkawinan yang sah. Setelah besar, saudara-saudara Yefta sadar bahwa Yefta tidak berhak mendapat milik pusaka dalam keluarga besar mereka. Sekalipun keberadaan Yefta seperti itu seharusnya saudara-saudaranya tidak perlu mengusir dia. Ini berarti apa yang dialami oleh Yefta sangat menyakitkan, karena Yefta bukan saja tidak mendapat milik pusaka, tetapi juga tidak mendapat tempat di rumah dan di hati saudara-saudaranya. Oleh karena itu Yefta melarikan diri dari saudara-saudaranya, yang akhirnya membawa dia ke tempat di mana orang-orang bisa menerima dia. Sayang sekali, mereka yang bisa menerima Yefta adalah para perampok, orang-orang yang juga tersisihkan dalam kehidupan sosial mereka. Tetapi, kisah Yefta tidak berhenti sampai di sini karena pada kisah-kisah selanjutnya kita dapat melihat Tuhan mengangkat kehidupan Yefta dan menjadikan Yefta seorang pemenang. Kisah Yefta mengungkap sebuah fakta bahwa seorang buangan tidak harus tersisihkan dalam kehidupan rohaninya, sebab di dalam kitab Ibrani Yefta diakui sebagai salah seorang pahlawan iman (Ibr 11:32-34). Kisah Yefta juga mengungkap sebuah fakta bahwa seorang yang mempunyai latar belakang atau masa kecil yang tidak menyenangkan tidak harus mengalami kegagalan di dalam hidupnya. Orang-orang seperti itu bisa juga berhasil dalam hidupnya. Ini merupakan satu pelajaran penting dalam kehidupan orang percaya. Jika kita adalah orang yang berlatar belakang kurang menguntungkan dan hidup kita disia-siakan oleh orang lain, jangan gelisah dan kuatir. Bangkitlah, yakinlah bahwa Tuhan sedang memproses kita untuk meraih keberhasilan dan masa depan yang gilang-gemilang. Tuhan Yesus memberkati. Doa:Tuhan Yesus, aku tidak menyesal untuk keberadaanku meskipun buruk menurut manusia, karena Engkau akan mengangkatku pada waktunya. Amin. (Dod).

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!  

Washington State Rep. John Ley is sounding the alarm over TriMet's high-priced light rail vehicle demands for the IBR project, urging a full review and better alternatives. https://www.clarkcountytoday.com/news/trimet-seeks-190m-290m-for-interstate-bridge-light-rail-vehicles-charging-taxpayers-up-to-15m-per-vehicle-triple-the-4-5m-cost/ #ClarkCounty #localnews #JohnLey #TriMet #InterstateBridgeReplacement #IBR #MAXLightRail #publictransit #taxpayerfunding #transportation

Bob Ortblad urges the IBR to stop relying on fear and instead consider cost-saving, seismic-resilient options like immersed tunnels. Read his full argument. https://www.clarkcountytoday.com/opinion/letter-ibr-has-relied-on-this-video-to-instill-fear-in-the-public-and-government-officials-to-promote-the-construction-of-a-new-bridge/ #ClarkCounty #localnews #IBR #infrastructure #immersedtunnel

In his latest column, Editor Ken Vance questions whether IBR officials are doing enough to contain the escalating cost of the bridge replacement project. https://www.clarkcountytoday.com/opinion/opinion-im-more-than-just-a-little-skeptical-that-ibr-officials-are-doing-everything-they-can-to-limit-the-cost-of-this-project/ #ClarkCounty #localnews #IBR #transportation #KenVance

Got student loan questions weighing on you? You're definitely not alone. This week, we're opening up the Student Loan Planner mailbag to tackle some of the most pressing issues borrowers are facing. Should you switch IDR plans? Is Public Service Loan Forgiveness (PSLF) buyback the right move? We also address the very real frustrations with federal loan servicers — the long hold times, the inconsistent information, and the impact of staffing shortages. Beyond that, we'll cover practical tax filing strategies that could lead to significant savings, how to identify potential calculation errors in your loan details, and offer an update on the ongoing delays with forgiveness applications. If you're ready for clarity on your student loans, this episode delivers the answers you need in 2025. Key moments: (04:37) Stressing about interest accrual could be counterproductive on your path to loan forgiveness (07:45)  The PSLF buyback steps, and remember your qualifying payments don't need to be consecutive (16:53) Despite common talk of "old" and "new" IBR, there is technically only one Income-Based Repayment plan (26:07) A payoff strategy for a high-income physician facing loans without PSLF (43:33) Military families face unique PSLF considerations, with state residency affecting community property rules Links mentioned:  Income-Driven Repayment (IDR) Plan Request PSLF Help Tool Compare refinancing lenders   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!  

What's coming for student loans over the next 3.5 years? There is a lot more than you've been told. Are there actually going to be changes? In this live stream, we're unpacking everything: ✅ The shift from the Department of Education to the SBA ✅ Proposed changes to IBR and the future of IDR plans ✅ The risk of PSLF disappearing as non-profit status comes under fire Are these real threats or just headlines. Whether you're chasing forgiveness, aggressively paying off debt, or somewhere in between… the next few years will separate those who plan from those who panic. We'll also cover: – What these changes really mean for new grads and borrowers – How to avoid the blind spots that trip up most borrowers – The steps you can take today to adapt before it's too late Oh and by the way, I also touch on tariffs....

The Department of Education dropped a bombshell announcement that would've killed a loophole strategy many of you use to keep your student loan payments manageable, only for the agency to quickly walk it back after public outcry. What actually happened? Was this ED deliberately trying to break the law and eliminate the married filing separate option, or was it just an honest mistake? You'll hear the latest on how advocacy, lawsuits, and a fair bit of confusion among government officials have shaped repayment, and what it means for your student loan strategy (spoiler: the loophole lives... for now).   Key moments:   (01:58) The income-based repayment (IBR) married filing separate rule is actually written into federal law (05:08) Department of Ed issued a corrective statement claiming the announcement was a mistake (07:15) Recertification dates extended, creating confusion around timeline requirements (09:57) Despite complications, there are positive developments worth highlighting for borrowers (10:58) House GOP advances budget reconciliation bill that could impact student loan programs     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!

The Department of Education just dropped a negotiated rulemaking announcement, and while it might sound like dry policy talk, this one's worth your attention — especially if you're pursuing Public Service Loan Forgiveness (PSLF), on Pay As You Earn (PAYE), or using Income-Contingent Repayment (ICR). Learn what negotiated rulemaking actually means, why it matters, and what kinds of changes could be on the horizon for federal student loan repayment. We'll also walk through the strategy behind these proposed updates, what the timeline might look like, and the political and legal dynamics that could affect how this all plays out. Key moments: (03:20) My initial take: borrowers don't need to panic just yet — and here's why (05:35) What these changes could actually mean for PSLF borrowers (06:59) PAYE and ICR might be affected, but IBR is protected by statute  (10:49) The GOP proposal targets nonprofit hospitals, but I don't think it'll go anywhere (12:34) With 2026 elections in sight, student loan overhauls will probably stay pretty modest 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!  

The IDR recertification deadline has been pushed back again — this time, to no sooner than February 2026. And while that might sound like good news on the surface, we know it brings up a ton of questions. That's exactly what we're unpacking in this episode.   If you're on an income-driven repayment (IDR) plan or even thinking about it, tune in as we answer listener questions about what the new extension actually means for your monthly payments, whether it makes sense to start paying again now or keep riding the pause, and how this might (or might not) affect forgiveness programs down the road. Get insights and practical strategies to stay on top of your plan without going into a tailspin.   Key moments:   (00:31) Why it's important to be extra careful filing taxes this year (02:57) Paper vs. online IDR applications and why some are mailing backups (11:24) If you're in the Sweet v. Cardona group, is IBR worth it? (13:15) PSLF questions around buyback, forbearance, and filing a tax extension (19:35) What we know about the ongoing IDR application processing delays   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!  

Questions? Thoughts? Send a Text to The Optometry Money Podcast!The student loan landscape is shifting again! In this episode, Evon breaks down the latest updates on the SAVE Plan, the recent court rulings, and what these changes mean for optometrists navigating their student loan repayment.With major legal challenges in play, borrowers on SAVE are currently in interest-free forbearance, but the future of the program remains uncertain. Evon unpacks the key takeaways from the recent 8th Circuit Court of Appeals decision, discusses potential next steps, and shares what optometrists should consider when making student loan repayment decisions.What You'll Learn:✅ Background on the SAVE Plan & Legal Challenges – Why the courts put SAVE on hold and what's next✅ What This Means for Optometrists – How the latest rulings impact those on SAVE, PAYE, and IBR plans✅ Should You Switch Plans? – Factors to consider before making a move✅ Tax Strategies for Student Loan Borrowers – Filing tips to optimize student loan repayment✅ Preparing for Uncertainty – Practical steps to protect your financial futureKey Takeaways:

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey!   OAM Website https://www.outofashesministries.org/podcast/GIVE: https://www.outofashesministries.org/giveYouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50CApple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 175- The Special Shabbats You NEED to Know About appeared first on Out of Ashes Ministries.

The IDR and loan consolidation applications are down, repayment plans are shifting, and court rulings are throwing everything into question. If you're feeling stuck, you're not alone. Learn why the Department of Education is reworking the IDR and PSLF applications, what this means for your loan strategy, and how to make smart decisions despite the chaos. We'll also tackle listener questions about PSLF timing, repayment plan changes, and what potential policy shifts could mean for your forgiveness path. Key moments: (04:38) What the court ruling means for PSLF and ICR borrowers (07:16) Will my loans be forgiven? I'm two payments away from forgiveness and not IBR eligible (14:51) Is my income too high to qualify for financial hardship? (19:24) Do my Parent PLUS loans qualify for PSLF forgiveness? (23:06) What is the student loan “tax bomb” and will I have to pay it? Link mentioned:   Request an income-driven repayment plan   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!  

TriMet expects passenger fares to cover only a quarter of the projected $22 million in annual IBR transit costs, leaving Washington state to shoulder much of the financial burden. With passenger fares making up just 8 percent of TriMet's revenues, the funding model remains a key issue. Read the full story at https://www.clarkcountytoday.com/news/trimets-need-for-clark-county-funds-questioned/ www.ClarkCountyToday.com #InterstateBridge #IBR #TriMet #passengerfares #transportationfunding #ClarkCountyWa #localnews #VancouverWA #CamasWA #BattleGroundWA #WashougalWA

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 174- Developing Wisdom appeared first on Out of Ashes Ministries.

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 174- Developing Wisdom appeared first on Out of Ashes Ministries.

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 174- Developing Wisdom appeared first on Out of Ashes Ministries.

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! https://youtu.be/95YEtHZ6NQs OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 173- You Are a Tree of Life appeared first on Out of Ashes Ministries.

The student loan landscape is a mess, and if you're feeling overwhelmed, you're not alone. In this episode, we break down the latest on IBR, PAYE, and SAVE—what's changing, what's staying the same, and what you need to do now. We also tackle the growing rumors around PSLF, set the record straight on how President Biden actually did succeed in delivering $25K in loan forgiveness (even if it wasn't the way people expected), and clear up some common Roth IRA mistakes that could be costing you big time. If you have student loans, retirement goals, or just want to stay ahead of the financial chaos, this episode is for you. Tune in now! Roth IRA Mistakes video link: https://www.youtube.com/watch?v=aYKF09jz-X8 Protecting Yourself in case PSLF fails: Link Get financial help now. Future you will thank current you. FitBUX Membership

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! https://youtu.be/GUYE2e2W1iY OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 172- The Mitzvah Project: Shabbat Melachah (Part 2) appeared first on Out of Ashes Ministries.

What's next for student loan borrowers in a world of shifting repayment plans and interest rates? Financial planner Sim Terwilliger, CFP®, CSLP®, joins us to break down the potential repeal of the SAVE plan and how it could reshape repayment strategies. We explore why PAYE or IBR might take center stage, when refinancing could make sense, and why it's always a case-by-case decision. If you're PSLF-eligible or unsure how these changes impact your financial future, this episode has the answers you need. Key moments: (01:51) PAYE might be the go-to repayment plan if SAVE is repealed (and we think it will be) (07:04) Refinancing your loans could make sense, but it isn't for everyone (16:08) The trade-offs of refinancing, including losing federal protections (22:30) Why refinancing is a no-go if you're PSLF-eligible 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!  

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! https://youtu.be/J159VkH1tnQ OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 171- The Mitzvah Project: The Melachah of Shabbat (Part 1) appeared first on Out of Ashes Ministries.

Welcome to BCI Cattle Chat! On this episode we have guest host Dr. Scott Fritz. Our experts begin the episode by discussing IBR and its effects on a cattle herd. Next Dr. Fritz gives some tips on things to look out for when grazing crop stubbles in order to avoid sickness. Finally, Dr. Brad White… Continue reading IBR, Grazing Crop Stubble, Dose Accuracy

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! https://youtu.be/l7X5DnpbaLc OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 170- The Mitzvah Project: What is Work? (Part 2) appeared first on Out of Ashes Ministries.

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! https://youtu.be/8BaS1OuloBo OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE The post IBR Ep 169- The Mitzvah Project: What is work? appeared first on Out of Ashes Ministries.

Welcome to the new IBR series, “The Mitzvah Project”. In this series, we are going to be looking at ways to better & more consistently  observe the commandments, beginning with Shabbat. We invite you to come along on this amazing journey! https://youtu.be/FZHAn0919xw OAM Website https://www.outofashesministries.org/podcast/ GIVE: https://www.outofashesministries.org/give YouTube: https://www.youtube.com/playlist?list=PLnWucfsRXCaeDioM-nlwgHa_fC1_wB50C Apple Podcasts: https://podcasts.apple.com/us/podcast/out-of-ashes-ministries/id1487385984 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvZmVlZC8/episode/aHR0cHM6Ly93d3cub3V0b2Zhc2hlc21pbmlzdHJpZXMub3JnL3Nlcm1vbnMvaWJyLWVwLTEzMy13aGF0LWRvLXlvdS13YW50LXBhcnQtNS8?sa=X&ved=0CAUQkfYCahgKEwj414P_3KaEAxUAAAAAHQAAAAAQ1AE

This episode is packed with answers to listener questions about student loans. From Public Service Loan Forgiveness rules to spousal consolidation loans, we're covering real-life scenarios that borrowers face every day. Wondering how family size changes affect payments or what to make of new repayment plans? We've got you. Tune in for practical advice, expert tips, and answers to the questions you didn't even know you had. Let's get into it!   Key moments:   (04:07) Tackling spousal consolidation loan headaches and finding a way forward (06:44) Why claiming dependents can impact your loan forgiveness taxes (15:41) Nearing forgiveness? Here's what to know about IBR qualification (18:37) Forbearance confusion: Does processing or administrative forbearance count for PSLF?   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!  

If you're counting down your final PSLF payments and feeling like you're losing your mind with all the uncertainty, this episode is for you. We'll tackle what's actually worth worrying about when you're close to forgiveness, explore strategies for navigating the final stretch, dig into the PSLF buyback situation, and cover what you need to know about potential new repayment plans and legislative changes on the horizon. Key moments: (01:19) Misinformation about applying for PSLF buyback: What's real and what's noise (08:31) Court rulings, tax changes, and what they mean for forgiveness programs (15:14) What to do while waiting for IBR application processing (16:07) New Republican proposal to reset student loan interest rates 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!