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