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  1. K

    Repayment Assistance Plan (RAP) Explained: Forgiveness, Payments & More

    Now that the One Big Beautiful Bill (OBBB) has been signed into law, it’s important for all student loan borrowers to understand the new income-driven repayment plan that this law created: the Repayment Assistance Plan (RAP for short). When we say “RAP” in this article, we’re talking about the...
  2. K

    Department of Education Provides New Data on Student Loan Backlogs, Delays and Defaults

    The Department of Education provided new insights and data on an assortment of problems that are currently plaguing the federal student loan system. The new information was relayed to Senator Elizabeth Warren (D-MA) via a letter by Acting Assistant Secretary of Education for Legislation and...
  3. K

    Social Media Addiction and Your Teen: What Can Parents Do?

    How much social media is too much for your teen? How can you spot an addiction in your teen? When almost everyone uses social media apps, you can’t blame your teenagers for doing the same. But you might be concerned that your teen’s screen time and social media usage is too high. Maybe...
  4. K

    A Parent’s Complete Guide to High School Dating

    Does the thought of your teen dating make you nervous or uneasy? If you said “yes,” you’re not alone. As a parent, it’s natural to worry when your teens start dating. We want them to be happy, healthy, and focused on pursuing meaningful goals. It isn’t enough to tell your teens that “there...
  5. K

    6 Signs You’re a Perfectionist Parent (And How It Impacts Teens)

    Do you expect too much from your teenagers? That might be a hard question to answer. As parents, we want to see our teenagers succeed in life. Whether that’s doing well on their exams or winning a competition, it’s natural to feel proud of their accomplishments. There’s nothing wrong with...
  6. K

    Reconnecting With Your Teen: 10 Practical Tips for Parents

    Are you worried that you and your teenager are drifting apart? Maybe your teen is busy with school, other activities, or spending time with friends. And when your teen isn’t, the door to his or her room is closed. You can barely have a decent conversation with your teenager – much less hang...
  7. K

    The Smart Way to Argue With Your Teen: 9 Tips to Resolve Conflicts Fast

    Do you often feel frustrated because of the conflicts you have with your teens? No parent wants to fight with their teenagers. So what can you do when your teens argue with you? It helps to first understand that having some conflict is normal. As teens undergo a period of rapid change, they...
  8. K

    Communication Skills for Teens: 7 Skills Every Teen Should Develop

    Are you often misunderstood? Or do you argue a lot with your friends and family? Maybe you have a hard time conveying your feelings and opinions. And when you try to, no one seems to listen. Communication is a key life skill for teenagers. But through my many years of coaching teens, I’ve...
  9. K

    How to Deal with a Lying Teenager: 8 Ways to Encourage Honesty

    Catching your teen in a lie can be frustrating, especially when you’re trying to build a relationship based on trust. In those moments, it’s easy to assume your teen is just being defiant or rebellious. This often leads to punishments or harsh words without stopping to ask why the lie occurred...
  10. K

    How to Use Life Insurance to Repay Student Loans

    When you have a lot of student loan debt, paying it down can feel like a daunting task — especially if you want to pay off your federal student loans early. Depending on your situation, one option might be using your life insurance policy to pay down your student debt. Here’s what you need to...
  11. K

    Bestow Life Insurance Review: Is It Your Best Option?

    Student loan borrowers have a lot to juggle. From paying back student loan debt, dealing with a loss of income, leaving a legacy or simply paying for burial costs, life insurance can help. It’s paid upon the death of the policyholder, and a sum is paid out to beneficiaries. It can help your...
  12. K

    Life Insurance for Graduate Students: What You Need to Know

    When you decided to attend graduate school, chances are that life insurance wasn’t at the top of your list of things to do. However, as a full-time student, you might be surprised that life insurance for graduate students can be a smart move. As an older student, you might have a family or...
  13. K

    Life Insurance Options for Dentists: Buy a Large, Cheap Policy

    It can be uncomfortable to think about your own death. The good news is that there’s an extremely low chance of that happening for the next couple decades! That said, if you have a family depending on your income as most dentists do, life insurance for dentists should be an essential piece of...
  14. K

    Term Life Insurance for Self-Employed Workers: Coverage for Your Flexible Income

    If you’re self-employed, you’ve taken the path less traveled and encountered many risks to build your business. But if you have a family depending on you, there are certain risks you shouldn’t gamble with — one of which is choosing adequate life insurance for self-employed individuals. Whether...
  15. K

    Life Insurance for Physicians: How to Decide on the Best Policy

    Physicians are often targeted by financial professionals, good and bad, because of their high income. If they don’t do their homework, doctors can end up paying a ton in fees and commissions to salespeople out to make a buck or even ethical advisors who just aren’t knowledgeable about the...
  16. K

    Haven Life Insurance Review: Eliminate a Danger to Your Family

    If you’re reading this as a professional with significant student debt, there’s a very good chance you don’t have enough financial protection for your family in the event you died tomorrow. It's tough to think about, I know. The good news is that you can eliminate this danger very cheaply with...
  17. K

    Whole Life Insurance is a Terrible Idea if You Have Student Loans

    Whole life is perhaps one of the crappiest financial products sold as investments that exist anywhere. This is even more true if you have student loans. I've seen a rash of clients lately who have six figures of student debt, and they have a whole life policy, too. They're paying several hundred...
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    Top Myths About Whole Life Insurance Exposed: Why Investing Is the Smarter Choice

    Whole life insurance is often debated in financial circles. Is it a bad investment? Yes. If you’re thinking of (or are being pitched) whole life insurance as an investment strategy, that is a bad idea. Is whole life insurance a scam? No, but even though it isn’t a scam, it is almost certainly a...
  19. K

    The Exception to the Rule: When Whole Life Insurance Makes Sense

    While whole life insurance is generally expensive, you’re not only paying for the permanent death benefit but also for other guarantees (e.g. premium amount, duration, cash value). Something about guarantees is easy to plan around. In terms of asset distribution, much like any cash-equivalent...
  20. K

    Student Loan Forgiveness Forms and Instructions

    If you have federal student loans and feel the pressure of debt weighing on you, you might be looking into student loan forgiveness. You might qualify to get your federal student loan debt forgiven through Public Service Loan Forgiveness (PSLF) and income-driven repayment (IDR) plans. Read on to...

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