RAP

RAP is not available for those with Parent Plus loans or any Consolidation loan which includes a Parent Plus loan.  Therefore, the interest subsidy provided by RAP does not apply to any Parent Plus loans.

Tiered Standard Repayment Plan:  This plan is no longer based upon a 10 year term for everyone.  It is now based upon the principal of the loans:

The post New Federal Student Loan Repayment Plans Available Now appeared first on Reboot Your Life: Tampa Student Loan and Bankruptcy Attorney Blog.

Remember, the payment will be made automatically even if wrong.

Setting up another account and transferring funds to it to cover the auto-payment may be wise as errors are being reported.

The post How to Save .25% Interest on Federal Student Loans appeared first on Reboot Your Life: Tampa Student Loan and Bankruptcy Attorney Blog.

The notices are the result of the Department of Education (“ED”) ending the SAVE plan, a Biden-era income driven repayment program that has been bogged down in lawsuits over the past several years.  Borrowers who have remained on a SAVE forbearance where no payment was due will be in for quite a shock when new payment notices are issued.

There are still around six million borrowers on a SAVE forbearance.  Most servicers started sending out 90 day notice letters starting July 1 – but Nelnet is reporting that it will not be able to send these notice letters until March 2027.  If that is your client, there is the possibility that some people will be able to stay in a SAVE forbearance until the summer of 2027.

The post Have you Received Your 90 day Notice to Begin Repayment on Your Federal Student Loans? appeared first on Reboot Your Life: Tampa Student Loan and Bankruptcy Attorney Blog.

When can taxes be discharged in a bankruptcy?

There are a few rules that apply to allow taxes to be discharged.

The post When are Taxes Discharged in Bankruptcy? appeared first on Reboot Your Life: Tampa Student Loan and Bankruptcy Attorney Blog.

• Wage garnishment continues
• Banks can levy your account(s) without advance warning

The post Tax Debt? appeared first on Reboot Your Life: Tampa Student Loan and Bankruptcy Attorney Blog.

Student loan payment way up?

Make sure you are reporting your income correctly and qualify for the lowest income driven plan payment.

The post You can Still Self-Certify Your Income for Federal Student Loan IDRs: Here’s how. appeared first on Reboot Your Life: Tampa Student Loan and Bankruptcy Attorney Blog.

Anyone who has bought in the past couple years is likely under water.  While Florida still has an overall increase in population, property sales and corresponding values have dropped over the past couple years.  This means that short sales may come back — if someone needs to move now, but their property is underwater, it’s best to try for a negotiated short sale where any deficiency is waived.  This has to be specifically negotiated; it doesn’t happen automatically.  No one wants to be sued for the balance owed years later after you’ve given up the home.  You also don’t want that reporting negatively on your credit.

We work with local realtors to try to get that deficiency waived, buy time to complete the sale etc.  Reach out if you are facing this kind of situation and see what options may exist for you.

The post Short sales in Florida likely going to increase appeared first on Reboot Your Life: Tampa Student Loan and Bankruptcy Attorney Blog.

Step 1) Log in to studentaid.gov

Step 2) Open another browser tab and go to https://studentaid.gov/app/api/nslds/payment-counter/summary

The post Wondering How Many Years You Have Left of Student Loan Payments on Your IDR? appeared first on Reboot Your Life: Tampa Student Loan and Bankruptcy Attorney Blog.

• K022 — Your Request Is In Process
• H195 — IDR Request Approval

The post Mohela Codes on Letters – What do they Mean for Your Student Loan Repayment Status appeared first on Reboot Your Life: Tampa Student Loan and Bankruptcy Attorney Blog.

February 10, 2026

Zoom link

Attestation Process is Game Changer for Discharging Federal Student Loans

Christi Arkovich, Arkovich Law

Bob Branson, Branson Law

Tammy Branson, Branson Law

This CLE program explores the Department of Justice and Department of Education’s 2022 guidance that loosened the three-prong test for discharging student loans in bankruptcy through the new attestation process. Attendees will learn about how to analyze loan types and borrower eligibility, how to navigate the detailed attestation form, and borrowers who have successfully used the process. The program also covers how to file and handle these uniquely streamlined adversary proceedings—often resolved without litigation—key differences between bankruptcy schedule calculations and the attestation form, drafting consent final judgments, and practical considerations on fees, billing, and getting paid.

Consumer Lunches are no charge and via zoom.

The post Tampa Florida TBBBA Feb 10 Luncheon – Arkovich Law Speaking About Using Bankruptcy Attestation to Discharge Student Loans appeared first on Reboot Your Life: Tampa Student Loan and Bankruptcy Attorney Blog.