Student Loan Sherpa | Home of Student Loan Expert Pedro Gomez

Moving abroad doesn’t erase your student loans — it just makes managing them more complicated.
Your loans stay with you, and so do the repayment rules.
Where things change is in how your income is reported, verified, and used to calculate payments under an Income-Driven Repayment (IDR) plan. The way you file your U.S. taxes — especially if you claim the Foreign Earned Income Exclusion (FEIE) — can affect...

The “Default Cliff” Has Arrived — Here’s What It Means for You
Millions of borrowers are inching toward what experts call a student loan default cliff. According to new reports from the Congressional Research Service and CNBC, more than 9 million borrowers are behind on payments — with 5.3 million already in default...

Confused about the new student loan rules? You’re not alone. The One Big Beautiful Bill Act was signed into law on July 4, 2025, and it brings some of the most sweeping student loan changes of 2025.
From repayment plans to forgiveness options and future borrowing limits, the landscape is shifting fast. This article breaks it all down in plain English: what’s changing, when it’s happening, and what it means for you....

Quick Answer: Check your PSLF status on Studentaid.gov’s PSLF Help Tool, which confirms employer eligibility, lets you certify employment, and shows progress toward forgiveness. After submitting an Employment Certification Form (ECF), loans eventually...