The Savvy blog

Policy changes, decoded before they cost you.

When the rules shift, Kathleen breaks down what actually matters — in plain English, with the deadlines you need on your calendar.

Latest · June 29, 2026

Federal Court Ruling Shakes Up Graduate Student Loan Limits: What Borrowers Need to Know

A federal court just stayed part of the Department of Education's guidance on graduate borrowing limits. It's good news for some borrowers — but not the blanket win headlines suggest.

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“Don't rely on headlines.”

May 26, 2026

The July 1st Shift That Could Cost Federal Student Loan Borrowers Their Best Repayment and Forgiveness Options

After July 1st, taking out even one new federal loan can permanently reclassify a legacy borrower — and eliminate the options keeping repayment manageable.

February 8, 2026

Parent PLUS Borrowers: What the OBBBA Changes Mean (and What to Do Before July 1, 2026)

New borrowing caps, lost access to income-driven repayment, and a consolidation clock. The key dates Parent PLUS families actually need on the calendar.

January 9, 2026

Worried About Student Loan Default? The Rare Relief Options Most Borrowers Never Hear About

The federal government has extraordinary collection powers — but there are limits, windows to act, and relief tools most borrowers never hear about.

January 2, 2026

Student Loan Rules Are Changing in 2026 — and Waiting Could Cost You

A new law rewrites how much you can borrow, how you repay, and how much flexibility you'll have. Most changes hit July 1, 2026 — and there's no going back.

December 13, 2025

Before You Take Out Student Loans: A Smarter Way to Decide What's “Worth It”

With lower federal limits on the horizon, borrowing decisions are riskier and harder to undo. The right first question isn't “can I afford the payment?”

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