Thank you for visiting PGPresents.com.

You're in the right place if you're looking for current, accurate, and objective information about student loan repayment, all from a company that is not trying to sell you anything. We do not have business agreements and working relationships with private lenders or the U.S. Department of Education, which means we have no bias in terms of how you borrow and how you choose to repay your student loans. Our job is simply to educate you on your options.

You’ve got questions:

• How do Income Driven Repayment (IDR) plans really work, and what is the latest on the GOP-initiated injunction on the SAVE plan from the Biden Administration that is unlikely to survive under the current administration, Congress, and courts? How is the injunction impacting other IDRs?
• Should I apply for or switch to Income Based Repayment (IBR) and will that repayment plan help me qualify for loan forgiveness?
• I hear Public Service Loan Forgiveness(PSLF) is working, but that Project 2025 wants to eliminate it (among other things), as do some members of the GOP. What is the latest?
• Should I consolidate my federal loans with a Direct Consolidation Loan or should I refinance my loans with a private lender? Note you do NOT have to consolidate to qualify for PSLF.

PGPresents has answers, and with PGPresents you get:

• Proven expertise from one of the most well-respected educational debt management experts in the nation, with over 40 years of experience.
• Objective, unbiased help designed to help you make the best repayment decision based on your career goals, repayment objectives, student loan portfolio, and budget.

While we no longer provide personal student loan consultations through either our fee-based On-Call or One-Time Consultation (OTC) services, our commitment is to maintain current, accurate, and objective information about repayment on our home page for anyone interested, all courtesy of PGPresents. Please check out these free resources on our right navigation bar.

Best wishes from PGPresents.