The federal student loan system is about to see its biggest changes in decades — and most borrowers have no idea what's coming.

In this episode, Robert Farrington sits down with U.S. Department of Education Under Secretary Nicholas Kent, the top federal official overseeing the $1.7 trillion student aid portfolio, to break down exactly what's changing on July 1 and what you need to do about it.

They cover the end of the SAVE plan and the 90-day clock for borrowers to switch, the two new repayment options (the Repayment Assistance Plan and the new tiered standard plan), how RAP's interest subsidy can finally make your balance go down, first-ever borrowing limits for graduate and Parent PLUS loans, and why Kent says these caps are already pushing some schools to cut costs. Kent also shares his own story as a first-generation, low-income Pell Grant student and why broad student loan forgiveness "is not going to happen" under this administration.

Whether you're in repayment, borrowing for grad school, or just trying to make sense of the headlines, this conversation gives you a clear, practical roadmap before the July 1 deadline.

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