https://www.senseofthisshit.com
Become a supporter of this podcast: https://www.spreaker.com/podcast/parent-plus-private-student-loans--7167769/support.]]>enBusiness© 2026 Let's Work This Sh*t Outhttps://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/9d6408b2f5fbbdb3fa07d959e806bc87.jpghttps://www.senseofthisshit.comTue, 25 Aug 2026 06:07:52 +0000BlakeLet's Work This Sh*t Outparent@senseofthisshit.comParent PLUS & Private Student Loans is a Parent PLUS and private student loan podcast for parents and cosigners facing 2026 cap cliffs, private gap-fill, and cosigner-exit refinance tradeoffs. We own Parent PLUS vs private gap-fill decisions,...
Become a supporter of this podcast: https://www.spreaker.com/podcast/parent-plus-private-student-loans--7167769/support.]]>falsec9907018-5bc4-5c25-822a-9704cd40179depisodicSupport the podcast!https://www.spreaker.com/episode/parent-plus-2026-cap-private-student-loans-cosigner-risks--74200146
Key takeaways:
- Calculate your exact gap after grants before choosing between loan types.
- Run repayment scenarios with multiple lenders to compare long-term costs.
- Confirm cosigner release terms, including payment counts and credit tests.
- Weigh lost federal benefits against private loan flexibility before signing.

📩 Have questions or want to share your experience? Reach out at parent@senseofthisshit.com.
Support the show: https://www.spreaker.com/podca...]]>40bc9643-04b8-5f3d-97f7-fed0bef82773Tue, 25 Aug 2026 06:00:09 +0000BlakeIn this episode of Parent PLUS & Private Student Loans, we examine how the 2026 federal cap on new Parent PLUS borrowing will push families toward private loans to cover remaining college costs. Blake breaks down the real tradeoffs, including the loss...
Key takeaways:
- Calculate your exact gap after grants before choosing between loan types.
- Run repayment scenarios with multiple lenders to compare long-term costs.
- Confirm cosigner release terms, including payment counts and credit tests.
- Weigh lost federal benefits against private loan flexibility before signing.

📩 Have questions or want to share your experience? Reach out at parent@senseofthisshit.com.
Support the show: https://www.spreaker.com/podca...]]>232awardletter,collegefinancing,cosigner,creditimpact,defermentrights,federalloans,financialaid,forbearanceoptions,incomedriven,interestrates,loanlimits,monthlypayments,parentplus,parentplusloans,privateloans,privatestudentloans,refinancingoptions,repaymentplans,studentdebt,studentloansfalse13fullhttps://www.spreaker.com/episode/parent-plus-private-student-loans-main-episode-for-2026-07-14--74068418
Key takeaways:
- Gather balances and rates now to forecast 2026 payment shifts
- Compare federal-only versus private-loan scenarios before borrowing more
- Contact lenders for written cosigner-release requirements
- Verify deferment lengths match your Parent PLUS terms

These checks help you avoid surprises and keep repayment flexibility intact.

📩 Have questions or want to share your experience? Reach out at parent@senseofthisshit.com.
Support the show: https://www.spreaker.com/podca...]]>320b146c-9cbf-5539-94c1-0ad1a54d50c1Tue, 18 Aug 2026 06:00:11 +0000BlakeIn this episode of Parent PLUS & Private Student Loans, we break down the 2026 cap changes that could suddenly reshape monthly payments for Parent PLUS borrowers and their cosigners. With federal borrowing limits tightening, many families are weighing...
Key takeaways:
- Gather balances and rates now to forecast 2026 payment shifts
- Compare federal-only versus private-loan scenarios before borrowing more
- Contact lenders for written cosigner-release requirements
- Verify deferment lengths match your Parent PLUS terms

These checks help you avoid surprises and keep repayment flexibility intact.

📩 Have questions or want to share your experience? Reach out at parent@senseofthisshit.com.
Support the show: https://www.spreaker.com/podca...]]>285borrowlimits,budgetreview,capchanges,cosignerexit,cosignerrelease,creditscore,debtmanagement,federalprotections,financialplanning,interestrates,loanstatements,monthlypayments,parentloans,parentplus,privateloans,privateoptions,rateadjustments,refinancing,repaymentoptions,studentloansfalse12fullhttps://www.spreaker.com/episode/navigate-2026-cap-cliff-private-gap-fill-refinance-loses-federal-benefits--72921717
Key takeaways:
- Pull current balances now to quantify the exact 2026 gap before pressure builds.
- Compare total projected interest plus lost protections, not just monthly payments.
- Refinance private portions only after the student establishes independent credit.

📩 Have questions or want to share your experience? Reach out at parent@senseofthisshit.com.
💛 Join Our Supporters Club ($3 a month) 💛 Ad-free listening + early episodes — help keep independent media alive. Click Here: https://www.spreaker.com/podca...]]>196ccef0-58f7-4b60-8e31-f66472f4921cFri, 10 Jul 2026 23:06:22 +0000BlakeIn this episode we break down the 2026 Parent PLUS cap cliff and the real tradeoffs of using private loans to fill the gap while weighing cosigner-exit refinance decisions. As federal limits tighten, many families will face an $8k–$15k shortfall per...
Key takeaways:
- Pull current balances now to quantify the exact 2026 gap before pressure builds.
- Compare total projected interest plus lost protections, not just monthly payments.
- Refinance private portions only after the student establishes independent credit.

📩 Have questions or want to share your experience? Reach out at parent@senseofthisshit.com.
💛 Join Our Supporters Club ($3 a month) 💛 Ad-free listening + early episodes — help keep independent media alive. Click Here: https://www.spreaker.com/podca...]]>336borrowingcapchanges,capcliff,collegefundingstrategies,cosignerexitrefinance,cosignerrelease,educationloanoptions,familyeducationfinancing,federalbenefitslost,highereducationexpenses,loanpayoffquotes,parentborrowertips,parentpluslimits,parentplusloans,privategapfill,privateloanrates,privatestudentloans,refinancingtradeoffs,repaymentflexibility,studentdebtplanning,studentloanrefinancefalse11full