CPR, Credit Problem Repair

🚨 PARENTS WITH PARENT PLUS LOANS — STOP SCROLLING 🚨

This is one of those posts that could save somebody THOUSANDS of dollars.

If you have a Parent PLUS Loan, there is a major deadline approaching that many borrowers don't even know exists.

📌 July 1, 2026

Why does this matter?

Because Parent PLUS Loans have historically had very limited access to income-driven repayment options.

Under the new federal student loan changes, parents who want to preserve access to certain income-based repayment and forgiveness pathways may need to consolidate their Parent PLUS Loans BEFORE July 1, 2026.

⚠️ Here's the problem:

Consolidation doesn't happen overnight.

Many experts and consumer advocates have been recommending applications be submitted no later than April 1, 2026 because processing can take weeks—or even months—and the consolidation must be completed before the deadline.

Here's what you should know:

✅ Consolidation through the federal government is FREE.

✅ Parent PLUS Loans are in the parent's name—not the student's.

✅ Borrowers who act before the deadline may preserve access to income-driven repayment options and potential forgiveness programs.

✅ Borrowers who miss the deadline could lose access to those options moving forward.

✅ Doing nothing is a decision too—and it may be the most expensive one.

Listen...

I don't care if your payment is current.

I don't care if your loans have been sitting there for years.

I don't care if you've ignored every student loan email you've gotten since 2015.

You need to log into your Federal Student Aid account TODAY and find out exactly what type of loans you have.

Too many people wait until the government changes the rules and then say, "Nobody told me."

Well...

Now somebody did.

📢 Check your loans.
📢 Know your options.
📢 Don't let a deadline make decisions for your wallet.

The best time to look was yesterday.

The second-best time is right now.

*Not legal or financial advice. Every borrower's situation is different. Review your options through the U.S. Department of Education before making any repayment or consolidation decisions.

If you have student loan... get in the know!

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STUDENT LOAN MUST KNOWS!

Did you know...

When Covid "ended" (cough cough cough) and the Cares Act expired...
Millions of Student Loans were made active again and payments were demanded.

LITERALLY and OVERNIGHT, credit scores dropped and in an instant this marked the sharpest one-year drop since the Great Recession... almost 100 years ago for those who need a history reminder 🤯

This downturn was driven heavily by the resumption of student loan delinquency reporting after pandemic-era CARES Act protections expired.

NOW FOR THE KICKER!!!!

🚨 Your student loans are being handed over to the United States Treasury Department. 🚨

9.2 million Americans are currently in default on their student loans.

Another 18.4 million Americans are at least one payment behind.

In Q1 of 2026 alone, 2.6 million Americans fell into default — the highest number ever recorded in a single quarter.

There has also been growing concern after statements about garnishing Social Security benefits to repay student loan debt.

However, federal law places limitations on what can and cannot be taken, and consumers need to understand their rights before reacting out of fear.

The U.S. Treasury has also announced plans to “leverage private default resolution,” meaning third-party debt collectors are expected to become heavily involved.

And that changes EVERYTHING.

Once third-party debt collectors enter the picture, the FDCPA (Fair Debt Collection Practices Act) and Regulation F protections come into play.

That means debt collectors must follow strict federal laws — and many of them violate those laws every single day.

If your student loans have been transferred, resold multiple times, or originated before 2010, chain of title and securitization issues could become extremely important.

The moment you begin receiving dunning letters (1692g notices), SAVE THEM.

If debt collectors are texting you, emailing you, or calling you, DOCUMENT EVERYTHING.

Many states also have their own “mini-FDCPA” laws that provide even more consumer protections.

Know your rights.
Learn the laws.

The More You Know
~Shar the Credit Star 🌟

Kellie Robinson HOLY MOLLY Bat Girl...

We just removed $93,798 in defaulted debt off your referred client Curtis reports in the last 45 days 🤯🤯🤯🤯🤯

All legally... all legitimate.

We never had to tell a LIE to delete anything 🥳

I am speechless 🙊

If your credit score is 420, I better NOT see you celebrating today 😆🌿

Baby… your credit not high enough. Sit this one out.

Matter of fact, instead of rolling one up, roll your credit score out and come see Shar the Credit Star ⭐💳

Because some of the same people celebrating today are the same ones tomorrow posting in them groups like:

“Anybody know a private landlord?”
“Who approves apartments with a 500 score?”
“Need a co-signer ASAP 😭”

Listen… I be in them groups too.
Don’t think I don’t see y’all 👀

Come see me so the only thing sitting at 420 next year is the holiday… not your credit score. 😎💨

I will be doing a Home Buyers webinare with a top lending leader and a team of amazing realtors...

Want to would join us?

6.30 April 30th via zoom?

Details to come, you will want to reserve your seat!