Refinancing federal student loans cuts your rate below federal rates near 8%, but you forfeit RAP forgiveness and every federal protection for good.
The new RAP student loan plan went live July 1, 2026. New borrowers get two options; SAVE and PAYE borrowers have until July 1, 2028 to choose.
Recession indicators are free to check. Pull four FRED numbers, and as of July 2026 none is triggered. Here is how to read them yourself with AI.
Top CDs still pay near 4.1% as the Fed holds before its July 29 meeting. Decide whether to lock a savings rate or wait, and run your own numbers with AI.
Fed holds rates, CPI runs hot: headlines that sound like another language. Here is the two-number cheat sheet behind every Fed story, plus a copy-paste AI prompt that translates any rate headline into what it means for your mortgage and credit card.