Struggling with Student Loans? Discover How SAVE, IBR & RAP Forgiveness Plans Can Help 💡

Drowning in debt and feeling like you’ll never catch up? You’re not alone. For many borrowers, especially those with unstable income, student loans and credit cards create overwhelming stress. Add in the fear of interest, garnishment, or never achieving independence, and it can feel like a hopeless cycle. In this video, Stanley Tate breaks down a real borrower’s story: $92,000 in student loans, inconsistent therapist income, $6,000 in credit card debt, and the weight of family support. He walks through the practical steps to prioritize survival over fear—understanding repayment options like SAVE, IBR, and the new RAP plan, tackling credit card debt, and shifting focus from interest panic to affordable payments and long-term forgiveness. If you’ve ever wondered how to navigate loans when life already feels unmanageable, this consult-style breakdown will help you see a path forward. CONNECT WITH STANLEY Website: https://tateesq.com LinkedIn: https://www.linkedin.com/in/stanleytate Book a Call: https://link.tateesq.com/book-a-call-overwhelmed-student-loans-reddit TEAM Founder + Host: Stanley Tate Editor: Patrick Kevin Angeles Thumbnail Artist: Keanu Rafil RESOURCES Big Beautiful Bill Student Loan Changes 2025: What Borrowers Need to Know: https://www.tateesq.com/learn/new-student-loan-bill-repayment-options TIMESTAMP 01:01:52:22 Is anyone completely overwhelmed? 01:04:35:20 Stan’s Thoughts 01:05:14:03 Limited Options 01:06:18:22 Core Priority 01:06:26:01 Avoid Default 01:06:47:13 Interest Monster 01:07:09:04 Forgiveness Promise 01:07:46:05 Hold Accountable 01:09:00:16 Stay Federal 01:09:28:02 Forgiveness Path 01:09:43:22 Tax Bomb 01:10:20:19 The RAP Plan 01:10:40:15 Hidden Cost 01:11:40:33 Interest Relief 01:11:53:19 Income First 01:12:21:10 Organize Priorities 01:13:05:18 Life First 01:13:24:01 Bottom Line