Minimizing Student Loan Debt

☑ LMY VERIFIED

Student loan debt continues to be one of the most significant financial challenges facing Americans today. As of 2025, millions of borrowers are navigating repayment plans, interest rates, and loan types that can feel confusing and overwhelming. In this episode, we break down the essentials so you can make informed decisions and minimize the long-term impact of student loans on your financial well-being.

We start with Kim Chavez, who paints a clear picture of the current student loan landscape. From the staggering national debt figures to the differences between federal and private loans, Kim explains why understanding your loan type is critical. She also explores how student debt can affect major life decisions—like buying a home, starting a family, or even choosing whether to attend college in the first place.

Next, Christie Dean dives into the details of loan structures and repayment options. She explains key distinctions such as subsidized versus unsubsidized loans, and why interest accrual matters. Christie also covers standard repayment plans, alternative options, and what parents need to know about Parent PLUS loans. Her insights help borrowers understand the trade-offs between paying less interest versus keeping monthly payments manageable.

Finally, Sam Edwards shares practical strategies for choosing repayment plans that fit your financial situation. From income-driven repayment options to deferment, forbearance, and consolidation, Sam outlines ways to avoid default and stay on track—even if you’re facing financial hardship. He also touches on alternatives to traditional college paths, such as trade schools, and how these choices can reduce debt from the start.

If you’re ready to take control of your student loans and set yourself up for financial success, this episode is a must-listen. Tune in now and start building a plan that works for you.

 Featuring Kim Chavez, Christie Dean, and Sam Edwards |  Edited by: Dani Buschick 

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