⏰ 40 DAYS LEFT — JULY 1 DEADLINE

The Student Loan Deadline
Nobody Told You About

The One Big Beautiful Bill Act permanently changes student loan repayment on July 1, 2026. IBR eligibility ends. Parent PLUS PSLF cliff is June 30. Most borrowers have no idea this is happening.

Get the Survival Guide — $29

Instant download · Includes deadline cheat sheet

What's at stake

The Wrong Decision
Could Cost You This

$50,000
Maximum extra payments under RAP vs IBR
10 yrs
Extra repayment time under RAP (30 vs 20 years)
$36,400
Extra cost at $300/month over 10 additional years
June 30
Hard PSLF cliff for Parent PLUS borrowers
🧮

See Your Personal Number

Enter your loan balance and income. Get your exact dollar difference between IBR and RAP — and whether you need to act before July 1.

Use the Free Calculator →
What's inside

The Complete Survival Guide

📋
Decision Flowcharts for Every Borrower Type
Direct, IBR, Parent PLUS, FFEL — know exactly what to do based on your specific situation
📅
Deadline Cheat Sheet (Bonus)
One-page reference card with every critical date and action item before July 1
⚠️
Parent PLUS PSLF Warning
The June 30 cliff explained — what it means and the exact steps to protect your forgiveness eligibility
🔄
IBR vs RAP Side-by-Side Comparison
Plain-English breakdown of what changes, what stays the same, and what it costs you in real dollars
📱
Mobile-First Step-by-Step Instructions
Every action you need to take on StudentAid.gov — done entirely from your phone in under 30 minutes
Get protected today

One Guide. Zero Overpay.

Valued at $97
$29
one-time payment · instant download
✓ Student Loan Survival Guide 2026
✓ July 1 Deadline Cheat Sheet
✓ Decision Flowcharts for all loan types
✓ Mobile-first implementation guide
Get Instant Access — $29

🔒 Secure checkout via Gumroad · Instant PDF download

Disclaimer: This guide is for informational and educational purposes only. It does not constitute legal, financial, or tax advice. Always verify current loan terms and deadlines directly with your loan servicer or the U.S. Department of Education at studentaid.gov before making any decisions about your student loans.