Jana McKay
Student loan consultant and guest on this episode, providing detailed guidance on IDR recertification, recalculation, forbearance impacts, and payment-plan strategies for borrowers pursuing forgiveness.
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Mar 24, 2026 • 27min
IDR Recertification Backlogs, Glitches, and Scary Letters
Jana McKay, a student loan consultant who helps borrowers navigate IDR and forgiveness, joins to unpack recertification chaos. She outlines recert timing, recalculation vs switching plans, and how forbearance affects forgiveness. They cover servicing glitches, massive application backlogs, confusing denial letters, and the Parent PLUS misflag — plus practical steps to fix problems and stay on track.
