Disclaimer: Student Loan Tutor is an independent business. We are not affiliated with and do not work for the US Internal Revenue Service (IRS) or the Department of Education. We are not a collection agency. All services are provided at the direction of our clients.
It’s Time to Switch to IBR.
The SAVE forbearance might feel like a relief today, but it’s a trap for your financial future. While your payments are paused, interest is accruing and, most importantly, none of this time counts toward your loan forgiveness.
There are currently around 7 million people enrolled in the SAVE plan. Student loan servicers are already struggling with massive backlogs.
Once the Department of Education determines the deadline for eliminating the SAVE plan, millions of borrowers will rush to change plans all at the same time.
It is not a matter of if the system will bottleneck, it’s a matter of when.
We are already in the process of moving thousands of our existing clients from SAVE to a different IDR (Income-Driven Repayment) plan. There is zero benefit to staying in forbearance and waiting for the inevitable chaos.
Depending on your interest rate, a $100,000 student loan balance may accrue about $500 per month in interest, while you make zero progress toward forgiveness.
When you partner with us, we take the entire burden off your plate. We don't just give advice; we manage the execution.
Zero Servicer Stress
You’ll never have to speak with your loan servicer again.
No Paperwork
We handle every filing, every renewal, and every fine-print detail.
Total Certainty
Know exactly when your loan forgiveness event will take place and how to save for the tax implications.
Proven Experience
Helping over 10,000 borrowers over the last 10 years.
While most borrowers are taught to aggressively pay down high-balance federal student loans, our proven strategy (trusted by over 1,000 financial advisors since 2015) turns your debt into a legal wealth-building loophole.
Over 20–25 years, these funds grow into a significant nest egg that not only covers the eventual "tax bomb" at the moment of forgiveness but often leaves our clients (including physicians, lawyers, and business professionals) with hundreds of thousands of dollars in net profit.
Most people haven't heard of this because it requires the high-level debt architecture we’ve spent a decade perfecting, allowing you to stop servicing your debt and start building a legacy.
Student Loan Tutor is the industry leader in strategy implementation and document processing for federal student loans. With over 10 years of experience and a track record of helping over 10,000 individuals free up over a billion dollars in student loan debt, we are dedicated to helping borrowers like you achieve financial freedom.
Our expertise lies in tailoring student loan repayment strategies. We help clients redirect their money towards wealth accumulation, retirement planning, and business investments, rather than conventional debt servicing.
Yes. Following the passage of the One Big Beautiful Bill (OBBBA) in 2025 and subsequent court rulings, the SAVE plan is being phased out entirely.
No. Time spent in the current "SAVE administrative forbearance" does not count toward the 20 or 25 years required for Income-Driven Repayment (IDR) forgiveness or the 120 payments for Public Service Loan Forgiveness (PSLF). To continue making progress toward a debt-free date, you must switch to an active plan like IBR
For many high-balance borrowers, acting now is critical. Switching to IBR allows you to restart your forgiveness clock immediately. Waiting until the official deadline means you will be caught in a rush of 7 million other borrowers, potentially leaving you in a "forgiveness freeze" for months while your interest continues to grow.
Yes, but the thresholds have changed. The new Repayment Assistance Plan (RAP) and the existing IBR plan still offer low or $0 payments for those with low discretionary income, but they are generally less generous than the SAVE plan was. We specialize in finding the "math" that keeps your payment as low as legal possible.
Your loans will continue to accrue interest in forbearance while you gain zero credit toward forgiveness. Eventually, the Department of Education might automatically transition you into the Standard Repayment Plan or the new RAP, which could result in a significantly higher monthly payment than you were prepared for.
Our specialists will
Review your current loan status & history
Run numbers for your specific income & loan balance
Show you exactly how a strategy would look over 20–25 years
Calculate potential forgiveness and tax impact
Estimate how much wealth you could build instead of losing that money to debt
Don't wait for the interest to explode or the system to crash.
See exactly how low your payments can go and get back to accumulating wealth.
