Podcasts about IBR

In this solo episode, Brad shares a few recent herd-health case studies from his dairy, highlighting the value of diagnostics and transparency.He walks through two calf losses—one at 60 days old and another at 9 months. Both animals had been treated for common issues but continued to decline. Necropsies revealed severe heart abnormalities in each case (thin, underdeveloped ventricles), pointing toward possible genetic or nutritional causes. The takeaway: without a necropsy, these would have remained unexplained losses.Brad also discusses a recent abortion in a dry cow. Diagnostic testing ruled out BVD and IBR and identified Citrobacter sp., an environmental organism found in manure, soil, and bedding that can contribute to abortions. He suspects environmental exposure in wintered dry cows may have played a role.Overall, the episode emphasizes investigating unexpected losses, using lab diagnostics, and learning from on-farm challenges as spring calving approaches.Questions, comments, scathing rebuttals? -> themoosroom@umn.edu or call 612-624-3610 and leave us a message!Linkedin -> The Moos RoomTwitter -> @UMNmoosroom and @UMNFarmSafetyFacebook -> @UMNDairyYouTube -> UMN Beef and Dairy and UMN Farm Safety and HealthInstagram -> @UMNWCROCDairyExtension WebsiteAgriAmerica Podcast Directory 

In this opinion column, economist Joe Cortright analyzes IBR cost estimates and concludes that inflation accounts for only a fraction of the project's ballooning price tag, pointing instead to rapidly rising consultant and staff costs as the main cause. https://www.clarkcountytoday.com/opinion/opinion-ibr-falsely-blaming-inflation/ #Opinion #Transportation #IBR #I5Bridge #PublicSpending

Transfervinduet er lukket. I Brøndby har der været særligt travlt. Spørgsmålet er, om Brøndby med det hektiske transfervindue melder sig ind i Superligaens guldkamp? Men det er ikke kun i Brøndby, at der er blevet købt og solgt – vi samler op på Superligaens deadline-handler. Og sidst, men ikke mindst, retter vi også blikket mod Premier League, som mandag blev en dansker rigere. Velkommen indenfor til tirsdagens hattrick.See omnystudio.com/listener for privacy information.

Whoever Conceals the Faults of a Muslim, Allah Will Conceal His Faults on the Day of Resurrection — Ustādh Abu 'Ināyah Seif • Explanation of the hadith: “Whoever conceals the faults of a Muslim, Allah will conceal his faults in this world and the Hereafter.” • Our desperate need for the concealment of Allah in both the dunya and the akhirah • The reality of the Day of Resurrection when all hidden secrets will be exposed • Tafsīr of the verse: “The Day when all secrets will be examined” (86:9) • Statement of Imām as-Sa‘dī on hearts being exposed and deeds appearing on faces • Du‘ā of Ibrāhīm عليه السلام: “Do not disgrace me on the Day they are resurrected” • The private questioning of the believer by Allah and His forgiveness of concealed sins • Contrast between how believers and disbelievers will be exposed on the Day of Judgment • From the greatest means of gaining Allah's concealment: concealing the faults of others • Severe warning against searching for and exposing people's faults • Hadith: Whoever seeks out others' faults, Allah will expose his—even in his own home • The honour of a believer is more sacred to Allah than the Ka‘bah • The sanctity of Muslim blood, wealth, and honour • Warning against slander, backbiting, and accusing innocent believers • Lessons from the slander of ‘Ā'ishah رضي الله عنها (ḥadīth al-ifk) • Hadith: Lying about a believer leads to punishment in Hell until one retracts it • The worst form of ribā: attacking a Muslim's honour unjustly • Forgetting one's own faults while obsessing over others' mistakes • Ibn al-Qayyim's example of people who ignore good and only cling to faults • Virtue of defending a Muslim's honour • Hadith: Whoever defends his brother's honour, Allah will protect his face from the Fire • Examples of the Companions defending one another's honour • Condemnation of exposing one's own sins publicly • Difference between how believers and corrupt people view their sins • A sin that humbles a servant may lead him to Paradise • A good deed that leads to arrogance may lead a servant to Hell • Signs that Allah wants good for a servant: – Forgetting one's good deeds – Always remembering and fearing one's sins • Final reminder to conceal one another's faults and fear exposure before Allah

In this letter to the editor, Bob Ortblad challenges the Interstate Bridge Replacement Program's proposed Park & Ride garages, citing high per-space costs, downtown impacts, and skepticism that the Federal Transit Administration will approve IBR's $1 billion grant request. https://www.clarkcountytoday.com/opinion/letter-interstate-bridge-replacements-park-ride-insanity/ #Opinion #InterstateBridgeReplacement #ParkAndRide #TransportationPolicy #PacificNorthwest

Rep. John Ley outlines concerns over escalating Interstate Bridge Replacement costs, funding gaps exceeding $10 billion, and what he describes as a lack of transparency from IBR leadership and consultants. https://www.clarkcountytoday.com/opinion/opinion-the-ibrs-10-12-billion-funding-problem-and-lack-of-truthfulness/ #IBR #I5Bridge #TransportationPolicy #WashingtonPolitics #OregonPolitics #Infrastructure #Opinion

OR Dems defending/supporting dangerous alleged criminals who got shot trying to run over CBP agents in Portland. https://www.oregonlive.com/crime/2026/01/portland-police-responding-to-report-of-shooting-by-federal-immigration-agent.html Disgraceful PPB chief defending Trend Da Aragua gangster shot after trying to run over CBP agents: https://x.com/JohnMcCloy/status/2009451925842883017 Bynum just torpedoed her re election with profane press release: https://www.oregonlive.com/crime/2026/01/portland-police-responding-to-report-of-shooting-by-federal-immigration-agent.html Lar's take on MN ICE shooting: https://oregoncatalyst.com/93735-lars-larson-ice-shooting.html Need J6 level manhunt for everyone who obstructs enforcing immigration law: https://thefederalist.com/2026/01/09/we-need-a-j6-level-manhunt-for-everyone-who-obstructs-immigration-law-enforcement/ Expect Rayfield to join his 53rd lawsuit suing Trump over freezing child care funding cause of MN daycare fraud: https://www.theepochtimes.com/us/five-states-sue-trump-admin-over-10-billion-freeze-in-child-care-family-assistance-funds-5968514?ea_src=frontpage&ea_med=section-1 Treasury Sec in MN and investigating wire money Somali fraud: https://www.thegatewaypundit.com/2026/01/us-treasury-secretary-bessent-are-moving-minnesota-will/ Omar busted with 1M earmark for substance abuse clinic in a restaurant: https://www.thegatewaypundit.com/2026/01/busted-ilhan-omar-tried-slip-1m-fraud-linked/ MN fraud whistleblowers being threatened by govt to stay silent; https://x.com/MarioNawfal/status/2009188335873302712 Soros funding thousands of groups tied directly to domestic terrorism: https://x.com/WallStreetApes/status/2009462041686495489 ODOT hid 7B IBR cost increase for months so Kotax could pass a gas tax increase: https://oregoncatalyst.com/93762-odot-hid-7b-problem-public-gas-tax-referendum.html Rep Diehl on ODOT lying about hiding the doubling cost of the IBR cost: no more blank checks! https://x.com/Real_EdDiehl/status/2009356592890958212 Voter fraud in WI: In 2020 WI had 7.1M registered voters when they only had 4M adults: https://x.com/its_The_Dr/status/2009440065840140701 

Financial Clarity for Doctors tackles some student loan updates with hosts Rachelle Vanderzanden and Corey Janoff.  On December 10th, the Department of Education proposed a settlement in the case challenging the SAVE plan and agreeing to dismantle the payment plan (pending court approval, so maybe not officially dead).  What does that mean for the seven million borrowers still enrolled in the plan?  Next steps for SAVE plan participants:  Most folks will likely need to apply to move into a new income-driven payment plan or move into a Standard repayment plan.  This means recertifying income and enrolling in one of the remaining plans.  Currently, those options are IBR, ICR, or PAYE with the new RAP plan being rolled out this coming summer.  If the goal is to work toward Public Service Loan Forgiveness (PSLF), you will likely want to enroll in the plan that equals the lowest payment.  When you reach 120 months of qualifying employment, you can look into the “Buyback” program to see if you can make payments from your time in forbearance.  If the goal is not PSLF, you can explore lots of options, payment plans, and even refinancing.  Although move slowly with refinancing!  Moving to a private bank has some downsides.  As with everything, your student loan approach should be determined based on your goals and needs.  Any strategy (including loan repayment) depends on the specifics of your situation.  If needed, consult with a professional to try to find the best strategy for your loans.  They were an investment in your future!   But we don't want them hanging over your head forever.  For more financial planning tips from Corey and Rachelle, find them on social media!  LinkedIn: @CoreyJanoff and @RachelleVanderzanden; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP and @RachelleFinance     Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice. 

Student loans are also back in the spotlight, with significant changes carrying major implications for millions of borrowers. The “Henssler Money Talks” hosts break down what's happening with income-driven repayment plans, including updates to IBR and the emerging Repayment Assistance Plan, and how these shifts may affect monthly payments and long-term forgiveness timelines.Original Air Date: December 20, 2025Read the Article: https://www.henssler.com/navigating-student-loan-repayment-as-federal-programs-shift 

Dems playing rope a dope with R's by saying they are gonna repeal Kotax's gas tax increase if R's will work with them: https://www.sweethomenews.com/confronted-by-a-grassroots-backlash-democrats-consider-repealing-unpopular-gas-tax-hike/ Coast Guard only wants IBR comments from people who will use the bridge for maritime traffic and not the rest of us. Is the fix in? https://www.oregonlive.com/politics/2025/12/us-coast-guard-seeks-public-comment-on-new-interstate-5-bridge-but-not-from-everyone.html  

From festive traditions to financial realities, this episode covers a wide range of timely topics as the year comes to a close. We start with a lighter look at the season, unpacking some of this year's biggest holiday trends, starting with Elf on the Shelf's Marietta roots. Elf on the Shelf has grown from a simple idea into a global enterprise. Its deep connection to holiday tradition has helped create a sustainable, enduring business model year after year. Next we jump into the shopping trends from Labubu to Crumbl Cookies to luxury items. We consider what current consumer spending trends reveal about shoppers' confidence. We'll discuss what a K-shaped recovery tells us about consumer financial health and what it could mean for the economy heading into the new year.From there, we turn to the economy, diving into recently released data including November's employment growth and the current unemployment rate. Is the AI trend fully supporting our economy? In some ways yes, but we're also seeing the broader market catch up to the Magnificent Seven. Student loans are also back in the spotlight, with significant changes carrying major implications for millions of borrowers. We break down what's happening with income-driven repayment plans, including updates to IBR and the emerging Repayment Assistance Plan, and how these shifts may affect monthly payments and long-term forgiveness timelines. Our host KC was recently quoted in CNBC on these developments, and we'll explain what the legal and policy changes mean for your financial future.Finally, we look ahead to upcoming tax-law changes tied to higher education, including repayment plan phase-outs and expanded rules around federal education benefits—part of the broader One Big Beautiful Bill that could reshape student debt and college costs in the years ahead.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — December 20, 2025  |  Season 39, Episode 51Timestamps and Chapters6:01: Holiday Fads & Favorites 13:52: Holiday Spending Checkup27:49: Employment Data and Market Breadth37:31: The Student Loan Reset: New Rules, New Risks, New DecisionsFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

Student loans aren't just a financial obligation — they're a moving target. Rules shift, repayment plans evolve, forgiveness programs get redefined, and big deadlines are on the horizon. To help make sense of it all, Melissa Joy, CFP®, sits down with student loan expert David Gourley, founder of K-12 Planning, to break down the latest changes and what they mean for borrowers today.David brings deep expertise from years of helping educators, public service professionals, and families navigate the student loan maze. Together, Melissa and David walk through what's stable, what's shifting, and what borrowers need to pay attention to right now — especially as 2026 brings some of the biggest changes we've seen in years.They explore why Public Service Loan Forgiveness remains intact (despite the headlines), the critical steps Parent PLUS borrowers must take before federal doors close, and how the upcoming Repayment Assistance Program (RAP) could reshape long-term planning for millions. David also shares the little-known strategies around tax filing, repayment timing, and consolidation that can dramatically change someone's loan trajectory.Highlights include:Why PSLF is not going away — and who still qualifiesHow adjunct professors can use a multiplier to qualify as full-timeThe crucial July 1, 2026 deadline for Parent PLUS consolidationWhat RAP is, how it compares to IBR, and why timing matters for borrowersHow long-term forgiveness works (20, 25, or 30 years) — and when it may be taxableHow filing taxes married filing separately can significantly reduce paymentsThe risks of relying on lower payments when interest continues to growWhat changes to borrowing limits mean for grad students and parentsWhen refinancing to a private loan may actually make senseHow to plan ahead when student loan rules continue to evolveIf you're navigating repayment, planning for forgiveness, or preparing to send a child to college, this conversation offers clarity in a landscape that rarely stands still. Melissa and David bring the context, strategy, and grounded perspective borrowers need to make confident decisions — today and in the years ahead.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Temas: Ingeniería Social, Deepfakes, Guerra Híbrida, Guerra Cognitiva, Desinformación Sintética, Ciberseguridad 2026, Manipulación Electoral, Algoritmos Sesgados, Clonación de Voz, Phishing con IA, Identidad Digital, NATO Innovation Hub. Emisión: 04/12/2025 Temporada 11 Episodio 33 Abstract: ¿Crees que controlas tus decisiones? Piénsalo dos veces. En este episodio de investigación profunda, destapamos los documentos y predicciones que marcan el 2026 como el año cero de la Guerra Cognitiva. No hablamos de ciencia ficción: hablamos de tecnologías militares desplegadas contra civiles. Descubre: ✔️ Por qué la OTAN considera tu cerebro el nuevo campo de batalla. ✔️ La verdad sobre la "Internet Muerta": ¿Estás discutiendo con bots? ✔️ Deepfakes en tiempo real: El fin de la evidencia en video. ✔️ Cómo los algoritmos están siendo diseñados para la corrupción silenciosa. Ellos tienen la tecnología, pero nosotros tenemos la información. Acompáñame a ver lo que la "Mano Invisible" no quiere que veas. 🔔 Suscríbete y enciende la campana para no perderte ningún capítulo de este viaje al futuro más inmediato. Mónica Maciel y Salvador Gaviño Romero ponen sobre la mesa del misterio las historias, los fenómenos y un acercamiento a la verdad. Conviértete en miembro de este canal para disfrutar de ventajas: https://www.youtube.com/channel/UCovCkTauWfbvVYKbYjAYw1w/join Gracias por Suscribirte: https://www.youtube.com/user/recetarioelajo?sub_confirmation=1 Follow en Twitter: https://x.com/recetarioelajo Like en FB:https://www.facebook.com/recetarioelajo/ WEB: http://www.elajoproducciones.com Podcast Ivoox: https://go.ivoox.com/sq/2458 Ajófono:(+52) 56.100.56.1.56 (MX) Ajomail: elajo.producciones@gmail.com #Misterio3 Animación Intro El Ajo Producciones: Cortesía El Último Escriba Animación Intro Misterio 3: Cortesía El Último Escriba Animación Intraterreno: Cortesía El Último Escriba Música Fondo: Kevin Macleod https://incompetech.com/music/royalty-free/ Copyright Disclaimer! Title 17, US Code (Sections 107-118 of the copyright law, Act 1976): All media in this video is used for purpose of review & commentary under terms of fair use. All footage, & images used belong to their respective companies. Fair use is a use permitted by copyright statute that might otherwise be infringing. ***** Enlaces de Interés ***** Anacrónico ¡Ya Disponible! : https://a.co/d/8Z5OABJ PODCAST Dante: https://www.youtube.com/watch?v=rZkE2IKIJVc Dante Vanzetti spotify: https://open.spotify.com/artist/08MlOZSrQ6psjZbZWEVCgH?si=j6fSsfBATw-HwwjInMyOCg Dante Vanzetti YT: https://youtu.be/N8BJxFrRbGQ?si=ACbIH2GEOQoVzbkK Yasfer Cuadrante Mágico: https://yasferlvx.wixsite.com/arcano-obscuro-radio Marcos Urbex: https://youtube.com/@markoz320?si=qH2JyDW1gX2ohDH_ Mónica Canal Misterio: https://youtube.com/@proyectoguionenblancomiste3209?si=xt2T2iYtlIlwag-f Canal Vladimir Chargoy: https://www.youtube.com/@vladimirchargoy1711 TEMAS: 0:00:00 Antesala 0:05:00 Inicio 0:09:00 Anuncios y Riesgos 1:20:00 Herramientas 1:45:00 Leyes y Lógicas 2:00:00 Guerra Cognitiva, DaaS, IBR, Captura Algoritmica, Colapso de Identidad, IA Emocional 3:08:00 Saludos

Income-Based Repayment has turned into a maze for a lot of borrowers, from unexpected forbearances to confusing "partial financial hardship" determinations that don't add up. Learn why so many borrowers are stuck in SAVE forbearance, what's really going on with IBR denials, and what the Department of Education says it's going to fix by early 2026. We'll also talk about new proposed borrowing limits, how they could reshape entire professions, and what that might mean for your salary, PSLF strategy, and long-term plan. Key moments: (02:17) What "partial financial hardship" actually means — and when it shouldn't block IBR (05:29) The out-of-cycle rulemaking session and why 2026 could bring sweeping IDR changes (06:36) Why proposed borrowing caps could upend grad and professional programs (11:31) The ripple effects on earnings, PSLF planning, and long-term loan strategy (14:02) What might trigger Congress to rewrite the rules again before 2028 Resource mentioned: Apply for or recertify income-driven repayment   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!

Kencan Dengan Tuhan - Rabu, 3 Desember 2025Bacaan: "Tidak pernah Aku berkata dengan sembunyi atau di tempat bumi yang gelap. Tidak pernah Aku menyuruh keturunan Yakub untuk mencari Aku dengan sia-sia! Aku, TUHAN selalu berkata benar, selalu memberitakan apa yang lurus." (Yesaya 45:19)Renungan: Pada suatu subuh seorang bapak pergi ke stasiun kereta api untuk menjemput seorang kerabat berusia lanjut yang datang dengan naik kereta api. Setiba di stasiun, kerabatnya itu tidak berada di tempat yang ia pikir kerabatnya ada di sana. Dengan penuh kecemasan bapak itu menjelajah stasiun itu dengan teliti, tapi hasilnya sia-sia saja. Karena mengira kerabatnya tidak datang karena ketinggalan kereta, bapak itupun bersiap untuk pergi sambil melirik ke arah lorong yang menuju ke tempat pengambilan barang bawaan. Ternyata kerabatnya tersebut ada di tempat itu dengan barang bawaan di dekat kakinya, sedang menanti kedatangan sang bapak dengan sabarnya. Kerabatnya itu menunggu di tempat itu selama sang bapak mencarinya. Bapak itu bertambah malu karena mengetahui bahwa kerabatnya itu berada di tempat sesuai yang dijanjikan padanya, sementara ia mencari di tempat lain. Demikian juga dengan Allah. Dia ada di tempat-Nya dan menanti kita dengan sabar. Dia memberi jaminan kepada kita, "Tidak pernah Aku menyuruh keturunan Yakub untuk mencari Aku dengan sia-sia!" (Yes 45:19). Jika demikian, mengapa kita sering mengalami kesulitan ketika mencari-Nya? Mungkin karena kita mencari diri-Nya di tempat-tempat yang keliru. Kita akan menemukan Allah di tempat Dia seharusnya berada di dalam firman-Nya, dalam doa, dan dalam suara Roh Kudus yang hidup di dalam diri kita. Allah yang berkata, "Carilah maka kamu akan mendapat" (Mat 7:7) juga berjanji bahwa "Allah akan memberi upah kepada orang yang sungguh-sungguh mencari Dia" (Ibr 11:6). Jadi kita dapat bersukacita karena Allah ada di tempat Dia seharusnya berada, dan Dia sedang menanti kita sekarang juga dalam doa harian kita. Tuhan Yesus memberkati.Doa:Bapa di surga, aku bersyukur pada-Mu karena Putera-Mu Yesus mengajarkan aku untuk memanggil-Mu dengan sebutan Bapa. Itu artinya, Engkau adalah Allah yang dekat dengan diriku. Ampunilah aku, karena kesibukkanku, aku sering melupakan Engkau dalam jam-jam doaku, dalam pembacaan firmanMu dan dalam perayaan ibadahku. Hal itulah yang menyebabkan aku sering merasa Engkau tinggalkan ketika masalah datang mendera hidupku. Bantulah aku ya Bapa, agar aku dapat menyediakan waktuku yang singkat ini untuk mau berbagi dengan Engkau dalam jam-jam doaku, sehingga apapun masalah yang terjadi dalam hidupku, aku tetap percaya bahwa Engkau senantiasa ada dan hadir dalam diriku. Demi Kristus Tuhan dan pengantara kami. Amin. (Dod)

Joe Cortright outlines why the Coast Guard is unlikely to approve the IBR's proposed low fixed span, citing navigation requirements, a century of legal precedent, past disputes over Columbia River clearance, and concerns about ignoring future river uses. https://www.clarkcountytoday.com/opinion/opinion-why-you-cant-bribe-your-way-to-a-low-fixed-span-bridge/ #Opinion #IBR #CoastGuard #ColumbiaRiver #Transportation #Infrastructure #PacificNorthwest

Listen in as I sit down with my good friend and one of the sharpest legal minds in the student loan world, Stanley Tate. We walk through the latest PSLF battles, what the SAVE-forbearance mess really means for your timeline, and how the coming transition to RAP and old-school IBR could reshape repayment for millions of borrowers. We also get into Parent PLUS landmines, future loan caps, and what all of this means for the next generation of borrowers. You'll learn where the pitfalls are, how to protect yourself, and why most borrowers still have more options than they think. Key moments: (05:07) How worried should you be about the new PSLF rules (09:20) The weighted-average credit confusion after consolidation (16:32) The risk of choosing between federal and private student loans is quite high (24:28) SAVE forbearance, recertification delays, and the Parent PLUS trap (43:47) What we're watching in negotiated rulemaking and RAP vs. IBR Resource mentioned: Stanley Tate's YouTube channel   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!  

This opinion column by Rep. John Ley for Clark County Today explains how TriMet's spare MAX light rail vehicles, revised IBR ridership projections, Federal Transit Administration data, and higher MAX operating costs compare with C-TRAN's bus service, outlining why existing vehicles and current bus resources can cover the proposed Yellow Line extension without new MAX purchases. https://www.clarkcountytoday.com/opinion/opinion-trimet-needs-zero-new-light-rail-vehicles-for-the-i-5-bridge-replacement/ #Opinion #TriMet #Transportation #LightRail #CTRAN #IBR #TransitCosts #ClarkCounty #MAX

Rep. John Ley details how WSP's consulting contract for the IBR project has soared from $44 million to $293.5 million through six amendments and “extra work,” securing a 32 percent profit margin while taxpayers face rising costs and delays. https://www.clarkcountytoday.com/opinion/opinion-outrageous-32-wsp-profits-for-ibr-consulting/ #Opinion #Transportation #I5Bridge #WSP #IBR #ClarkCounty #TaxpayerFunding #Infrastructure #WashingtonState #Accountability

In this opinion column, Rep. John Ley takes issue with Vancouver Mayor Anne McEnerny-Ogle's remarks about Interstate Bridge Replacement Program Administrator Greg Johnson's sudden departure. Ley argues that unresolved federal reviews, unanswered public comments, and persistent Coast Guard concerns about bridge height expose deeper flaws in the IBR process. https://www.clarkcountytoday.com/opinion/opinion-vancouver-mayors-ridiculous-statement-about-greg-johnsons-sudden-departure/ #Opinion #JohnLey #VancouverWA #GregJohnson #AnneMcEnernyOgle #IBR #InterstateBridge #Transportation #Politics #Infrastructure #ClarkCounty #Oregon #Washington

The AFT lawsuit settlement with the Department of Education is one of the biggest updates in months for borrowers on income-driven repayment. You'll learn how this settlement unfreezes stalled forgiveness applications, who's protected under the new rules, and the key deadlines you can't afford to miss. I also explain why the 2026 "tax bomb" is back and what you can do now to prepare for it. Key moments: (00:57) What the AFT lawsuit forced the Department of Ed to fix (02:43) How PAYE and IBR borrowers can finally get forgiveness processed (05:57) The 2026 tax bomb: what's coming and how to plan for it (07:02) The urgent deadline for Parent PLUS borrowers before July 2026 (13:27) Upcoming rule changes that could reshape repayment options 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!

John Ley says the Interstate Bridge Replacement Program's new data slashing transit ridership projections by 84 percent reveals deeper issues with the project's planning and leadership. He questions IBR's reliance on inflated estimates, costly light rail components, and continued spending despite clear public opposition. https://www.clarkcountytoday.com/opinion/opinion-the-ibr-guts-transit-ridership-projections-by-84-percent-and-om-costs-by-over-half/ #Opinion #Transportation #IBR #JohnLey #PacificNorthwest #TriMet #CTRAN #PublicSpending #Infrastructure #TrafficCongestion #TaxpayerFunding

In the latest part of Clark County Today's election series, Vancouver's mayoral and City Council candidates discuss the proposed I-5 Bridge Replacement Project. From new bridge options and tunnels to maintaining the current IBR plan, their responses reveal sharp contrasts over cost, accountability, and the city's transportation future. https://www.clarkcountytoday.com/news/part-ii-proposed-i-5-bridge-replacement/ #Vancouver #I5Bridge #Transportation #Politics #Elections #Infrastructure #ClarkCounty #CityCouncil #PublicSafety #PaulValencia #RegionalPlanning #News

Worried PSLF Buyback might vanish before you qualify? Let's dig into the Public Service Loan Forgiveness (PSLF) Buyback program — how it works, why it exists, whether it's likely to stick around, and how to position yourself if the rules change. You'll also hear my take on listener questions covering repayment plans SAVE vs. IBR, joint vs. separate taxes, and why sometimes “die with the debt” really can be a strategy.  Key moments: (00:44) How PSLF Buyback works, when you can apply, and why politics could shape its future (06:06) The growing backlog of applications and the risk of counting on Buyback approval (10:28) How to choose between SAVE, PAYE, and IBR repayment plans (14:22) When a “die with the debt” strategy makes sense in retirement (17:50) How to handle income recertification after a job change Resources mentioned:  Certify your PSLF employment Recertify or update income-driven repayment   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 letter to the editor, Seattle engineer Bob Ortblad calls on the Port of Vancouver to oppose the IBR bridge design, warning that the elevated structure would harm the planned Terminal 1 Public Market and worsen downtown noise and air pollution. https://www.clarkcountytoday.com/opinion/letter-the-port-of-vancouver-should-withdraw-its-support-for-the-ibrs-bridge-design/ #Opinion #LetterToTheEditor #Vancouver #PortOfVancouver #IBR #Infrastructure #PublicMarket #ColumbiaRiver #Transportation #WashingtonState

Camas resident Douglas Tweet writes that IBR officials are using outdated transit data and inflated models to justify extending light rail over the I-5 Bridge. He cites C-TRAN ridership data showing current demand doesn't support the cost and argues buses could meet the region's needs for years to come. https://www.clarkcountytoday.com/opinion/letter-ibr-predictions-based-on-past-transit-ridership-instead-of-using-actual-data/ #Opinion #LetterToTheEditor #ClarkCounty #Camas #IBR #Transportation #Transit #LightRail #CTRAN #PublicSpending #ColumbiaRiverCrossing

(00:00) Student Loan Repayments in Pre-Med(13:53) Changes to Student Loan Repayment Plans(19:38) Navigating Student Loan Repayment Plans(29:26) Future Trends in Medical EducationUnlock the secrets to navigating the complicated world of student loans with insights from our special guest, Lauren from Student Loan Planner. Discover how to turn the tide on student debt, particularly for medical students facing unique financial hurdles. Lauren shares her personal journey into the realm of student loan repayment, inspired by a client's battle with overwhelming debt, and explores the distinct nature of student loans. We'll also uncover how recent changes in federal loan caps might bring hope for more affordable education, while also considering the role of banks in supporting high-income earners like future physicians.Stay ahead of the curve as we dive into the evolving landscape of student loan repayment plans, focusing on public service loan forgiveness for medical professionals. Lauren sheds light on the latest changes and uncertainties surrounding income-driven repayment options, revealing what these shifts mean for new physicians during their residencies. With discontinued plans being replaced by the revised IBR and WRAP plan, Lauren emphasizes the critical importance of understanding these changes, especially with the fast-approaching July 2026 deadline for new loans under the revised rules.Venture into the future of medical education as we discuss potential shifts towards a three-year curriculum, inspired by NYU's innovative tuition-free program. This model could revolutionize medical education, prompting other institutions to reconsider their costs and structures. Alongside these educational trends, we ponder how student loans might be shaped by future political landscapes. Plus, Lauren introduces Student Loan Planner as a vital resource, offering blogs, podcasts, and personalized consultations to empower students in making smart financial decisions. Don't miss this opportunity to gain valuable insights and guidance at the intersection of medical education and financial planning.

Rep. John Ley outlines transportation architect Kevin Peterson's plan for a high-level express bridge designed to ease congestion on the I-5 corridor, contrasting it with the costly IBR project. The proposal adds capacity, improves flow, and emphasizes affordability. https://www.clarkcountytoday.com/opinion/opinion-a-viable-alternative-that-reduces-traffic-congestion/ #JohnLey #Transportation #KevinPeterson #IBR #BridgeReplacement #VancouverWA #PortlandOR #TrafficCongestion #Transit #PublicPolicy

✅ Student loan repayments and forgiveness for professional students is changing fast—and the new 2026 rules under the One Big Beautiful Bill Act are set to reshape how repayment works for graduate-level borrowers across the U.S.In this episode, financial expert James Mwombela from Student Loan Planner breaks down what the new law means for law students, pharmacy students, dental students, business school graduates, optometry students, physician assistants, nurses, medical students, chiropractors, and other healthcare professionals navigating student debt.If you're in or entering a graduate or professional program, the elimination of Grad PLUS loans, new federal borrowing caps, and less generous income-driven repayment plans could directly affect your future—and your finances. This episode covers everything you need to know about the coming changes and how to prepare, strategize, and protect your financial future.

Rae Kaplan, student loan attorney at Kaplan Law Firm, joins Jon Hansen to highlight the new student loan rules that will affect both students and parents. Rae explains Parent PLUS loans and the benefit of being enrolled in IBR.

Irish medium-sized businesses' perception of artificial intelligence has shifted considerably over the past six months, according to Grant Thornton's International Business Report (IBR). The IBR, which provides insights into the attitudes of 10,000 mid-market businesses across 32 countries, including Ireland, found the proportion of Irish executives branding AI "over-rated" has plunged from 45% to 23%, signaling a decisive move from hype to hands-on adoption. Over the same period, firms have hurried to put rules in place: more than half (53% in Q2) now require staff to follow an AI-usage policy when using Gen AI such as ChatGPT, spiking from 37% just six months ago. Nevertheless, enthusiasm is tempered by a persistent concern over data security. Six in ten of the executives surveyed say they worry about employees entering sensitive information into generative-AI platforms. The research also reveals a sharp improvement in companies' ability to spot practical applications for AI. Only a fifth (22%) of mid-sized companies now cite "difficulty determining productive uses" as a challenge, down from almost half (48%) six months ago. At the same time, privacy has surged to become the leading barrier to the adoption of AI tools. 58% of Irish executives noted privacy as the key challenge their organisation faces in adopting AI (up from 35%, six months previous). This underlines a real paradox: businesses are more confident in AI's potential, yet more anxious about how it handles information. Shane O'Neill, Technology and Digital Consulting Partner, Grant Thornton, said, "Over the past six months, we've heard that Irish mid-size businesses are shifting from cautious experimentation to confident deployment of AI. Executives are no longer debating whether the technology is 'over-hyped'. They're writing policies, training staff and embedding tools into day-to-day operations. That practical focus is driving productivity gains, particularly in data analysis, customer support and internal knowledge-sharing. "But optimism alone won't close the trust gap. Until organisations can guarantee that sensitive data fed into AI systems remains secure and compliant, adoption will continue to bump against serious privacy concerns. We believe the winners here will be those firms that treat governance and transparency as strategically important: investing in building clear policies and communicating openly with employees and customers about how information is used."

Análisis con Antonio Castelo, estratega de Mercados en iBróker.

Lars Larson argues the I-5 Bridge replacement “price bomb” was delayed for political reasons, blasting ODOT and IBR for hiding soaring costs and questioning how Oregon and Washington plan to pay for the project. https://www.clarkcountytoday.com/opinion/opinion-why-the-10-billion-dollar-price-bomb-did-not-drop/ #Opinion #I5Bridge #PacificNorthwest #Transportation #LarsLarson #ODOT #WSDOT #CostOverruns #Tolling #InfrastructureFunding

In this episode of The Personal Finance Podcast, we break down the massive student loan changes hitting in 2025—why SAVE, PAYE, IBR, and ICR plans are being eliminated for new borrowers starting July 2026, how interest resuming on SAVE loans means balances could grow again, and why wage garnishment restarts in August 2025. We provide a 12-step action plan to pay off loans faster, including the biweekly payment hack that saves $1,000+ in interest, scripts to negotiate lower rates, and how to get $5,250 per year in tax-free employer loan assistance before these changes make escape even harder. ⁠Get the Student Loans GUIDE Here!  How Andrew Can Help You: Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com/PFP Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/  Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP  Visit www.functionhealth.com/PERSONALFINANCE or use gift code PERSONALFINANCE100 at sign-up to own your health. ⁠Delete Me⁠⁠: Use Promo Code PFP for 20% off! Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel  Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Healthy, Wealthy and Smart podcast, host Karen Litzy welcomes back financial expert Joe Reinket to discuss the latest changes in student loans. Joe, a CFA charter holder and founder of FitBux, shares valuable insights into how these changes will impact three key groups: current students, those in repayment, and graduates nearing forgiveness. The discussion provides practical information on what to expect regarding student loans. Join Karen and Joe for an informative conversation that aims to clarify the current landscape of student loans and empower listeners with knowledge.   Time Stamps:  [00:01:48] Student loan changes overview. [00:05:03] Federal vs. private student loans. [00:10:03] Student loan funding for programs. [00:12:10] Student loan forgiveness programs. [00:15:49] New IBR vs Old IBR. [00:21:32] New vs. old IBR. [00:25:11] New Income Repayment Assistance Plan. [00:27:10] Loan forgiveness options explained. [00:31:27] Public service loan forgiveness changes. [00:37:32] Student loan refinancing options. [00:39:25] Financial planning for young professionals. [00:43:01] Home ownership financial perspective. [00:45:57] AI scribe for physical therapists.   More About Joe: Joseph is a Chartered Financial Analyst (CFA) and founder of FitBUX which has helped over 18,000 young professionals on their journey to financial freedom. Joseph has been personally investing since he was 12 years old. In addition, he has experience in student loans, mortgages, wealth management, investment banking, valuation, stock trading, and option trading. He has been on 100s of podcast and has been invited to 100s of universities to discuss financial planning with their soon to be graduates. He is currently an adjunct financial wellness professor at 15 universities. Resources from this Episode: FitBux FitBux on YouTube FitBux on Instagram   Jane Sponsorship Information: Book a one-on-one demo here Mention the code LITZY1MO for a free month   Follow Dr. Karen Litzy on Social Media: Karen's Twitter Karen's Instagram Karen's LinkedIn   Subscribe to Healthy, Wealthy & Smart: YouTube Website Apple Podcast Spotify SoundCloud Stitcher iHeart Radio

On the latest episode of Now, Appalachia, Eliot interviews book publicist and author Joe Walters about his latest book THE TRUTH ABOUT BOOK REVIEWS. Joe is the founder of Independent Book Review: A Celebration of Indie Books. He's been on the marketing teams of indie presses like Sunbury Press, Paper Raven Books, and Inkwater Press, and he is the author of The Truth About Book Reviews: An Insider's Guide to Getting and Using Reviews to Grow Your Readership. When he's not writing, assigning, or editing reviews in a Pennsylvania Panera Bread, he's playing with his daughters or reading indie books by Kindle light. Look for more of his book marketing tips on the IBR blog and the Write Indie newsletter.

On the latest episode of Now, Appalachia, Eliot interviews book publicist and author Joe Walters about his latest book THE TRUTH ABOUT BOOK REVIEWS: THE INSIDER'S GUIDE TO GETTING AND USING REVIEWS TO GROW YOUR READERSHIP. Joe is the founder of Independent Book Review: A Celebration of Indie Books. He's been on the marketing teams of indie presses like Sunbury Press, Paper Raven Books, and Inkwater Press, and he is the author of The Truth About Book Reviews: An Insider's Guide to Getting and Using Reviews to Grow Your Readership. When he's not writing, assigning, or editing reviews in a Pennsylvania Panera Bread, he's playing with his daughters or reading indie books by Kindle light. Look for more of his book marketing tips on the IBR blog and the Write Indie newsletter.

In this opinion column, Robert Wallis contends that the Trump administration should replace IBR leadership and their lead consultant WSP before evaluating the I-5 Bridge project. He outlines seven reasons for this move, citing funding concerns, design alternatives, and credibility issues. https://www.clarkcountytoday.com/opinion/opinion-trump-administration-has-not-yet-taken-a-position-on-the-i-5-bridge-replacement-project/ #ClarkCounty #IBR #I5Bridge #Transportation #Infrastructure #Opinion #TrumpAdministration #WSP #Tolling #LightRail

Leslie Lewallen argues that Washington's failure to tie homelessness programs to accountability could cost the state federal funding — including for major projects like the IBR. https://www.clarkcountytoday.com/opinion/opinion-without-accountability-washington-risks-losing-the-fight-on-homelessness-and-federal-funding/ #Opinion #HomelessnessCrisis #LeslieLewallen #Accountability #AddictionTreatment #IBRProject #PublicSafety #FederalFunding #ClarkCounty #CamasWA

IBR leaders remain confident in $2.1B of secured federal funds for the I-5 bridge replacement project, even as debate continues over light rail and community impacts. https://www.clarkcountytoday.com/news/ibr-official-remain-confident-in-2-1b-in-federal-funding-for-i-5-bridge-replacement/ #I5Bridge #IBRProgram #ClarkCounty #FederalFunding #Infrastructure #LightRailDebate #WSDOT #ODOT #TransportationNews

In this timely episode, Dr. Elisa Chiang breaks down the One Big Beautiful Bill Act, signed into law on July 4, 2025, and what it means for physicians. With over 800 pages of legislation, this sweeping law has far-reaching implications for taxes, healthcare funding, student loans, and energy incentives. Dr. Chiang highlights the key takeaways—both positive and negative—for physicians, medical students, practice owners, and anyone working in healthcare.What You'll Learn:How the bill permanently lowers marginal tax rates and benefits high-earning physiciansWhat the new 100% bonus depreciation rules mean for real estate investors and practice ownersHow the $50 billion Rural Health Fund could impact rural clinicians and hospitalsChanges to Medicare, Medicaid, and ACA coverage—and what they mean for your patient panels and uncompensated careWhy the reduction in the Medicaid provider tax will shrink state funding and affect reimbursementThe new caps on federal student loans and how they may worsen the physician shortageMajor changes to Public Service Loan Forgiveness (PSLF) and which repayment plans still qualifyA timeline of expiring clean energy credits for solar, EVs, and home efficiency upgradesKey Dates to Know:July 1, 2026: New cap on federal student loans beginsJuly 1, 2028: Deadline for existing borrowers to switch to RAP or IBR for PSLFSeptember 30, 2025: EV purchase credits expireDecember 31, 2025: Last day to claim credits for solar panels, energy-efficient windows, and heat pumpsJune 30, 2026: EV charger tax credit expires   Please subscribe and leave a review on your favorite Podcasting platform. Get 12 Financial Mistakes that Keep Physicians from Building Wealth at https://www.growyourwealthymindset.com/12financialmistakes If you want to start your path to financial freedom, start with the Financial Freedom Workbook. Download your free copy today at https://www.GrowYourWealthyMindset.com/fiworkbook Dr. Elisa Chiang is a physician and money coach who helps other doctors reach their financial goals by mastering their money mindset through personalized 1:1 coaching . You can learn more about Elisa at her website or follow her on social media. Website: https://ww.GrowYourWealthyMindset.com Instagram https://www.instagram.com/GrowYourWealthyMindset Facebook https://www.facebook.com/ElisaChiang https://www.facebook.com/GrowYourWealthyMindset YouTube: https://www.youtube.com/c/WealthyMindsetMD Linked In: www.linkedin.com/in/ElisaChiang Disclaimer: The content provided in the Grow Your Wealthy Mind...

Questions? Thoughts? Send a Text to The Optometry Money Podcast!Episode SummaryIn this timely episode, Evon unpacks the Department of Education's recent surprise announcement that interest will resume accruing on the SAVE plan's current forbearance beginning August 1, 2025. We explore what this means for optometrists managing student loans - especially those approaching forgiveness eligibility or considering refinancing.What You'll LearnSurprise Announcement: Why SAVE's interest-free forbearance ends on August 1, 2025, and how to prepareOBBBA Overview: How this new legislation (effective July 2026) changes income-driven repayment plan options - removing SAVE, PAYE, ICR plans as available options for current optometristsRepayment Roadmap: How optometrists should evaluate refinancing, staying federal, or switching plans based on degree completion and loan timingIDR Plan Comparison: Breaking down olcd vs. new IBR, PAYE, and SAVE rules - including repayment terms like 20‑year repayment at 10% of discretionary incomeStrategic Tax Planning: Using filing status and extensions (especially important in community-property states) to lock in the lowest monthly paymentTimeline Guidance: When key deadlines hit (Aug 1, 2025; July 2026; July 2028) and how to reconcile existing loans within the new REPAY plan frameworkResources MentionedThe Optometry Money Podcast Ep 143: How the Final One Big Beautiful Bill Act Impacts Optometrists – Taxes, Student Loans, and More!Click here to Subscribe to the Eyes On The Money Newsletter for weekly financial insights tailored specifically to optometrists.Have Questions? CLICK HERE to schedule a short introductory callThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

In early July, the Big Beautiful Bill was signed into law, bringing sweeping changes to student loans. In this episode of the Veterinary Financial Podcast, I'm breaking down what the bill means for veterinarians who have already graduated and are already in repayment.Key topics include:What happens if you're on IBR, PAYE, or SAVEA closer look at the new 30-year RAP (Repayment Assistance Plan)What happens if you don't make a new plan selection by 2028Important tax and spousal income considerationsA couple of bright spots—like employer benefits and servicer fundingI also answer top questions from the Debt-Free Vets Facebook group and share what vets should be thinking about now to stay ahead of the changes.Stay tuned for the next episode where I'll focus on how the bill impacts current and future vet students.Mentioned in this episode:Debt-Free Vets Facebook GroupInterested in vet-specific financial planning? Schedule a free intro call or email meredith@allvetfinancial.com Like the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple Podcasts

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

“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!  

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!  

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!  

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!  

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!