A major shift in student loan repayment is coming. Beginning July 1, 2026, the Repayment Assistance Plan (RAP)—created as part of former President Donald Trump’s “big, beautiful bill”—will officially launch. This new plan will replace most existing income-driven repayment (IDR) options. While RAP may offer lower monthly payments for some borrowers, it comes with a […]

Starting next summer, approximately 3.5 million Parent PLUS loan borrowers risk losing access to income-driven repayment (IDR) and potential student loan forgiveness—unless they act quickly. To lock in lower payments and maintain access to forgiveness options, borrowers must consolidate their loans before July 1, 2026. Missing this deadline means being stuck with the standard repayment […]

Starting next summer, approximately 3.5 million Parent PLUS loan borrowers risk losing access to income-driven repayment (IDR) and potential student loan forgiveness—unless they act quickly. To lock in lower payments and maintain access to forgiveness options, borrowers must consolidate their loans before July 1, 2026. Missing this deadline means being stuck with the standard repayment […]

Starting in summer 2026, Parent PLUS borrowers face big changes under the new student loan law. If you don’t act, you could lose your ability to enroll in income‑driven repayment (IDR) plans — and with them, chances at forgiveness. Here’s what’s changing, what the deadlines are, and step‑by‑step actions to protect yourself. What’s Changing for […]

What Is Short‑Term Health Insurance (STLDI)? A Guide From Creditvana Short‑term health insurance, also called short‑term limited‑duration insurance (STLDI), is designed to cover temporary gaps in health insurance. Examples include when someone’s job‑based coverage ends and the new plan hasn’t yet kicked in. What’s New: Term Limits Under the Recent Federal Rule As of September […]

Marketplace health insurance — also called ACA plans or Obamacare plans — are plans individuals and families can buy through the state or federal insurance exchanges. They offer a range of benefits and cost-saving subsidies, but not everyone qualifies for every benefit, and eligibility depends heavily on your income, household size, and other factors. Here’s […]

Variable Universal Life Insurance (VUL) is a type of permanent life insurance that combines lifelong protection with an investment component. It offers a unique blend of flexibility and growth potential, but it also comes with risk — making it better suited for financially savvy individuals comfortable with market volatility. If you’re considering VUL, this guide […]

Life insurance is one of the most important financial safety nets you can put in place for your family — but understanding what it actually covers is critical before you buy. Whether you’re looking to protect your mortgage, your children’s future, or everyday household costs, this guide breaks down how life insurance works, what it […]

Many Americans count on marketplace health insurance under the Affordable Care Act (ACA) — but the system has drawn sharp criticism lately. High premiums, complicated rules, and gaps in coverage are causing real hardship. Here’s a breakdown of where things stand in 2025, what’s going sideways, and what you can do about it. What Marketplace […]

On July 4, President Donald Trump signed a sweeping health care reform bill — dubbed his “big, beautiful bill” — into law. The new legislation introduces major changes to Affordable Care Act (ACA) marketplace plans (also known as Obamacare), and the effects could be felt by millions of Americans who rely on subsidized health insurance. […]