Student Loans: What You Need to Know Right Now w/ David Gourley

Student loans are changing fast, and July 1, 2026 is a deadline that matters.Tom sits down with David Gourley, enrolled agent and student loan strategy expert, to walk through what is happening this summer in the federal student loan space and what borrowers need to do before it is too late. David has completed more than 700 student loan consultations and helped clients secure over $17 million in forgiveness. He specializes in working with teachers, public servants, and anyone who needs a clear-eyed guide through one of the most complicated corners of personal finance.What they cover in this episode:Public Service Loan Forgiveness is not going away, but nonprofit eligibility rules could changeNew borrowing limits for graduate and Parent PLUS borrowers take effect July 1The repayment plan landscape: what is sunsetting, what is new, and which plan you should be on based on when you took out your loansWhy borrowers who took out loans between 2007 and 2014 need to apply for PAYE nowThe Parent PLUS consolidation deadline and what happens if you miss itWhat 7 million SAVE borrowers can expect after July 1 and the 90-day window to actMarried filing separately: when it makes sense and how to run the numbersHow consolidation and weighted average payment credits can actually work in your favorDavid Gourley can be found on the links below: Newsletter link: https://www.k-12planning.com/newsletterWebsite: https://www.k-12planning.com/Student Loan Consultation: https://calendly.com/k-12planning This episode is for informational purposes only and is not tax, legal, or investment advice. Please consult qualified professionals before making any financial decisions.