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Student Loan Planner: Daily Summaries Delivered
by Travis Hornsby
Travis helps you navigate the insane world of student loans, especially if you owe $20,000 to $1 million. If you've ever spent too much time on the phone with your loan servicer, this is the show for you. Every week we share tips on loan forgiveness, investing, crushing debt, and how to get to financial freedom when you owe more than most people's mortgage.
Latest Episodes
The most recent episodes — sign up to get AI-powered summaries of each one.
- Yesterday10 min
New Grad Student Loan Hacks
If you're coming out of professional school this fall, here's the quirk in your favor: you almost certainly didn't borrow after July 2026, which means you still have access to every repayment plan that existed before that cutoff. Some of these new-grad moves have been around for years, but the arrival of the Repayment Assistance Plan (RAP) changes the math, and we walk through the hacks that let high-debt full-payoff borrowers start $10 payments and get their interest wiped to roughly 0% for the first year. Then we zoom out: why you shouldn't rewire your portfolio over AI-bubble jitters, and why the best financial call you make in your 20s or 30s might be spending the money before your knees give out.Key moments: The cost of using your full six-month grace period after graduation Consolidating at graduation: when it’s a good idea, and when it’s a disaster How the interest subsidy hack can be worth $15K–$20K for high-debt grads Why I think you should take some non-financial risks while you’re youngLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!Mentioned in this episode:Free Student Loan newsletterIf you are not already getting our weekly newsletter every Thursday, you are missing out. We break down studio loan news, updates, money tips, all in one helpful newsletter. Sign up for free at https://studentloanplanner.com/newsletterThe SLP YouTube ChannelIf you're more of a visual learner or you like seeing charts, breakdowns, and exploring other topics, check out https://youtube.com/studentloanplanner
- 1 weeks ago24 min
The Post July 1 World of Student Loans
Servicers started sending official 90-day notices on July 1, and roughly 6 million borrowers are still sitting on SAVE trying to figure out what comes next. Learn what that notice actually means for your timeline, why the new 1% autopay interest reduction is more of a distraction than a deal for most people, and why consolidating right now could cost new grads a decade of extra payments.Plus, the PSLF final rule that had borrowers panicking about their employers just got vacated in court, and we explain what that means for anyone chasing forgiveness.Key moments: Notifications to leave the SAVE plan aren’t as urgent as they look Who really benefits from the 1% autopay interest rate reduction (and who doesn’t) The new consolidation trap for recent grads—and why pausing could save you a decade The PSLF court cases and how they redefine PSLF employer eligibilityLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!Mentioned in this episode:Want more? Check out our other podcastStarting to think beyond your student loans? Check out our other show, Financially Free Era. It's about what comes next, investing, building wealth, and designing a life you actually want. Find "Financially Free Era by SLP Wealth" in your podcast app.Tips I Can't Share PubliclyGetting our free newsletter? Upgrade your experience and discover student loan loopholes so good, they might get repealed if I talk about them publicly. Find out my very best thought leadership that I really just can't be open about anymore, unfortunately. If you want to get our very best tips, not just the ones that I can share for free. Go to studentloanplanner.com/insider to get a special discount for your year membership.
- 2 weeks ago19 min
AI Bubble
Like the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!Mentioned in this episode:The SLP YouTube ChannelIf you're more of a visual learner or you like seeing charts, breakdowns, and exploring other topics, check out https://youtube.com/studentloanplanner
- 3 weeks ago36 min
RAP Strategies 2.0
The new RAP plan has gotten plenty of criticism, but it might not be all bad news for every borrower. Learn where RAP could help, where it could hurt, and why the right strategy depends so much on your income, forgiveness goals, and long-term financial picture.Key moments: Who the RAP plan might actually help RAP affects forgiveness timelines and PSLF strategy Forecasting future income before choosing RAP Married filing separately and lowering AGI under RAP Extra payments and last-minute plan switching may backfireLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!Mentioned in this episode:Want more? Check out our other podcastStarting to think beyond your student loans? Check out our other show, Financially Free Era. It's about what comes next, investing, building wealth, and designing a life you actually want. Find "Financially Free Era by SLP Wealth" in your podcast app.Tips I Can't Share PubliclyGetting our free newsletter? Upgrade your experience and discover student loan loopholes so good, they might get repealed if I talk about them publicly. Find out my very best thought leadership that I really just can't be open about anymore, unfortunately. If you want to get our very best tips, not just the ones that I can share for free. Go to studentloanplanner.com/insider to get a special discount for your year membership.
- 3 weeks ago24 min
Student Loans Post-July 1
We just got back from the NASFAA conference in Washington, D.C., and there's a lot to unpack. From the launch of the Repayment Assistance Plan (RAP) and what it means for forgiveness strategies, to new federal loan limits and whether private loans can fill the funding gap for future grad and professional students, we're breaking down what these shifts mean for current borrowers, schools, and anyone about to finance an advanced degree.Key moments: Evaluating student loan options Financial aid challenges for “stopped out,” current and repeat students Concerns about student loan forgiveness Tuition discount rates in educationLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!
- 4 weeks ago35 min
Why "AUM Fees are Bad" is a Marketing Ploy
Scroll through any financial feed, and you'll eventually hit the same pitch: AUM (assets under management) fees are a ripoff, and only foolish high earners pay them. We think that framing bends the math to sell you something, so we’re breaking down why AUM fees have become the villain in personal finance marketing and giving you a real test for judging whether any advisor is worth the cost.Key moments: Fees should be judged against service value Separating bad service from bad fee models Flat-fee comparisons can exaggerate AUM costs Busyness and inertia create financial planning mistakesResources mentioned: Vanguard Advisor’s Alpha studyLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!Mentioned in this episode:The SLP YouTube ChannelIf you're more of a visual learner or you like seeing charts, breakdowns, and exploring other topics, check out https://youtube.com/studentloanplanner
- Jun 23, 202622 min
Are you a "SHENRY"?
You've heard of HENRYs, high earners who are not rich yet. But what if you're a high earner with six figures in student loan debt on top of it? That's a SHENRY, and the path to wealth looks different when a 401(k), a 457, an HSA, and a $300,000 loan balance are all competing for the same paycheck. We walk through the five moves SHENRYs can make to accelerate wealth growth, from maximizing tax-advantaged accounts to using income-driven repayment as a cash flow tool to getting more out of the degree you already paid for.Key moments: Wealth move 1: Max out tax-advantaged accounts Wealth move 2: Weaponize income-driven repayment Wealth move 3: Open a brokerage account early Wealth move 4: Use professional loan programs to optimize housing moves Wealth move 5: Two ways to maximize the value of your degreeLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!Mentioned in this episode:The SLP YouTube ChannelIf you're more of a visual learner or you like seeing charts, breakdowns, and exploring other topics, check out https://youtube.com/studentloanplannerTips I Can't Share PubliclyGetting our free newsletter? Upgrade your experience and discover student loan loopholes so good, they might get repealed if I talk about them publicly. Find out my very best thought leadership that I really just can't be open about anymore, unfortunately. If you want to get our very best tips, not just the ones that I can share for free. Go to studentloanplanner.com/insider to get a special discount for your year membership.
- Jun 16, 202627 min
Repayment Assistance Plan
A brand new income-driven repayment (IDR) plan is coming, and the rules are stricter than anything borrowers have dealt with before. We break down what we know about the Repayment Assistance Plan (RAP): who qualifies, how payments are calculated, and the deadlines you may need to beat before older plans like Pay As You Earn (PAYE) close their doors. If you have federal loans and want to make the right move during this transition window, this is where to start.Key moments: Checking your loan types and RAP eligibility How RAP payments are calculated Unpaid interest subsidy and other RAP features RAP’s 30-year forgiveness and how it impacts PSLFResource mentioned: Repayment Assistance Plan (RAP) CalculatorLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!Mentioned in this episode:The SLP YouTube ChannelIf you're more of a visual learner or you like seeing charts, breakdowns, and exploring other topics, check out https://youtube.com/studentloanplannerFree Student Loan newsletterIf you are not already getting our weekly newsletter every Thursday, you are missing out. We break down studio loan news, updates, money tips, all in one helpful newsletter. Sign up for free at https://studentloanplanner.com/newsletter
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About Student Loan Planner
Travis helps you navigate the insane world of student loans, especially if you owe $20,000 to $1 million. If you've ever spent too much time on the phone with your loan servicer, this is the show for you. Every week we share tips on loan forgiveness, investing, crushing debt, and how to get to financial freedom when you owe more than most people's mortgage.
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