Articles & guides
Guides, tips, and plain-English explainers about the Android apps we publish — written to be practical and easy to follow.
How Private Student Loan Collections Work and What Rights You Have
Once a private student loan is charged off it is normally placed with a third-party collection agency or sold to a debt buyer, and federal…
How Do You Choose a Federal Student Loan Repayment Plan in 2026?
Choosing a federal repayment plan comes down to one question: do you need the lowest total cost or the lowest monthly payment? Fixed plans…
What Federal Protections Do You Lose Permanently by Refinancing?
Refinancing a federal student loan with a private lender ends the loan, and with it income-driven repayment, statutory deferment and…
Federal Student Loan Limits: How Much Can You Actually Borrow?
Federal Direct Loans are capped both per year and for life, and a dependent undergraduate is limited to 5,500 dollars in the first year…
What a Legal Lender Must Disclose Before You Sign a Digital Loan in India
Before you accept a digital loan in India, a legitimate lender must hand you a Key Fact Statement naming the regulated entity doing the…
Why a Salary Advance Pays Out Less Than You Borrowed: Fee, GST and Net Disbursal
A salary advance normally credits less than the sanctioned amount, because the processing fee and the GST on that fee are deducted before…
FAFSA Borrowing Limits After 1 July 2026: The $257,500 Lifetime Cap
From 1 July 2026 federal student borrowing carries a lifetime cap of $257,500 that nothing reopens, Grad PLUS is closed to new borrowers…
What Happens When a Private Student Loan Goes Unpaid?
A private student loan is governed by its promissory note rather than federal regulation, so it is usually reported to the credit bureaus…
What an Extra $50 a Month Really Does to a Federal Student Loan
An extra payment is applied to interest first and then to principal, which shortens the loan and cuts the total interest without changing…
When Does Student Loan Refinancing Actually Save You Money?
Refinancing saves you money when the new fixed rate is meaningfully lower than what you pay now, the term stays the same or gets shorter…
Which Student Loan Repayment Plans Can You Choose in 2026?
Which federal repayment plans you can choose in 2026 depends on one date: when your loans were first disbursed. SAVE ended by court order…
The Repayment Assistance Plan (RAP): How Your Federal Payment Is Worked Out
RAP is an income-based federal repayment plan that sets your monthly payment as a percentage of your adjusted gross income, rising from…