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Site title: Student Loan Sherpa | Home of Student Loan Expert Pedro Gomez
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Moving abroad doesn’t erase your student loans — it just makes managing them more complicated.
Your loans stay with you, and so do the repayment rules.
Where things change is in how your income is reported, verified, and used to calculate payments under an Income-Driven Repayment (IDR) plan. The way you file your U.S. taxes — especially if you claim the Foreign E...
The “Default Cliff” Has Arrived — Here’s What It Means for You
Millions of borrowers are inching toward what experts call a student loan default cliff. According to new reports from the Congressional Research Service and CNBC, more than 9 milli...
Confused about the new student loan rules? You’re not alone. The One Big Beautiful Bill Act was signed into law on July 4, 2025, and it brings some of the most sweeping student loan changes of 2025.
From repay...
Quick Answer: Check your PSLF status on Studentaid.gov’s PSLF Help Tool, which confirms employer eligibility, lets you certify employment, and shows progress toward forgiveness. After submitting an Employment Certification Form (ECF), loans eventually transfer to MOHELA, the PSLF l...
Private student loans can help fill the gap when federal aid isn’t enough to cover tuition. But unlike federal loans, they work more like a traditional consumer loan — interest rates depend on your credit profile, repayment options are limited, and protections are slimmer. Here’s a breakdown of how they work, what to watch out for, and how to decide if they’re the right fit.
