Parent PLUS & Private Student Loans cover art

Parent PLUS & Private Student Loans

Parent PLUS & Private Student Loans

By: Blake
Listen for free

Parents of college students and private-loan cosigners. 2026 cap cliff + private gap-fill + cosigner-exit refinance tradeoffs (federal benefits lost)—not general SAVE/IDR student-loan talk. Audio for this show is produced with AI assistance. Episodes are researched, scripted, and reviewed for accuracy before release. Topics include: Parent PLUS & Private Student Loans.

Become a supporter of this podcast: https://www.spreaker.com/podcast/parent-plus-private-student-loans--7167769/support.© 2026 Let's Work This Sh*t Out
Episodes
  • 2026 Cap Cliff: Private Gap-Fill Refinance Loses Federal Benefits

    2026 Cap Cliff: Private Gap-Fill Refinance Loses Federal Benefits
    Jul 10 2026
    In this episode we break down the 2026 Parent PLUS cap cliff and the real tradeoffs of using private loans to fill the gap while weighing cosigner-exit refinance decisions. As federal limits tighten, many families will face an $8k–$15k shortfall per student. Private borrowing can bridge the immediate bill, yet it often strips away death and disability discharge, in-school deferment, and unemployment forbearance protections that once covered the full balance. We walk through exact cap calculations, line-item expense mapping, and side-by-side interest comparisons that reveal whether a two- or three-point rate drop justifies the lost federal safeguards. Timing, credit checks, and keeping existing Parent PLUS loans separate until graduation emerge as practical strategies that preserve flexibility.

    Key takeaways:
    - Pull current balances now to quantify the exact 2026 gap before pressure builds.
    - Compare total projected interest plus lost protections, not just monthly payments.
    - Refinance private portions only after the student establishes independent credit.
    https://www.spreaker.com/podca...

    📩 Have questions or want to share your experience? Reach out at prettyscumbag.nick@gmail.com.
    💛 Join Our Supporters Club ($3 a month) 💛 Ad-free listening + early episodes — help keep independent media alive. Click Here: https://www.spreaker.com/podca...
    Show More Show Less
    6 mins
adbl_web_anon_alc_button_suppression_t1
No reviews yet