Resources: Private
Why 89% of Borrowers Fail to Enroll in Forgiveness Programs On Their Own
Corrected August 10, 2026. An earlier version of this post said that consolidating restarts the PSLF qualifying-payment count from zero. Under 34 CFR 685.219(c)(3), a Direct Consolidation Loan carries the weighted average of the qualifying payments made on the Direct Loans that went into it, so Direct Loan credit is recalculated rather than erased. The ... <a title="Why 89% of Borrowers Fail to Enroll in Forgiveness Programs On Their Own" class="read-more" href="https://finnita.com/blog/why-89-percent-fail-pslf-on-their-own/" aria-label="Read more about Why 89% of Borrowers Fail to Enroll in Forgiveness Programs On Their Own">Read more</a>
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Income-Driven Repayment Plans After the SAVE Shutdown: A 2026 Guide
Updated August 6, 2026. This guide was written before the July 1, 2026 changes took effect. It has been updated to reflect them: RAP is live, PAYE and ICR closed to new enrollment on July 1, 2026, the Parent PLUS consolidation window has closed, and the Tiered Standard plan’s PSLF treatment now follows the regulation’s ... <a title="Income-Driven Repayment Plans After the SAVE Shutdown: A 2026 Guide" class="read-more" href="https://finnita.com/blog/idr-plans-after-save-shutdown-2026/" aria-label="Read more about Income-Driven Repayment Plans After the SAVE Shutdown: A 2026 Guide">Read more</a>
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