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      <image:title>Resources - The Hidden Costs of Delaying Retirement to Pay Off Student Loans - Make it stand out</image:title>
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      <image:title>Resources - Trump Won: How Does This Affect Your Student Loans? - Make it stand out</image:title>
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      <image:title>Resources - Consider Forgiveness for Your Federal Student Loans - Make it stand out</image:title>
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    <loc>https://www.studentloansover50.com/resources/how-to-maximize-your-loans-under-the-double-consolidation-loophole</loc>
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      <image:title>Resources - How To Maximize Your Loans Under the Double Consolidation Loophole - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.studentloansover50.com/resources/balancing-retirement-savings-and-student-loan-repayment</loc>
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    <lastmod>2024-09-03</lastmod>
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      <image:title>Resources - Balancing Retirement Savings and Student Loan Repayment: A Practical Guide - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.studentloansover50.com/resources/considerations-when-filing-taxes-with-student-loans</loc>
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    <lastmod>2024-08-26</lastmod>
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      <image:title>Resources - Considerations When Filing Taxes With Student Loans - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.studentloansover50.com/resources/my-child-just-graduated-from-college-and-i-have-parent-plus-loans-now-what</loc>
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      <image:title>Resources - My Child Just Graduated From College and I Have Parent PLUS Loans. Now What?? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Resources - My Child Just Graduated From College and I Have Parent PLUS Loans. Now What?? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.studentloansover50.com/resources/understanding-parent-plus-loans-a-guide-for-parents-of-college-students</loc>
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      <image:title>Resources - Understanding Parent PLUS Loans: A Guide for Parents of College Students - Make it stand out</image:title>
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    <loc>https://www.studentloansover50.com/resources/double-consolidation-parent-plus-loans-guide</loc>
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    <lastmod>2024-09-11</lastmod>
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      <image:title>Resources - Double Consolidation: Your Silver Bullet to Parent PLUS Loans - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Resources - Double Consolidation: Your Silver Bullet to Parent PLUS Loans - Make it stand out</image:title>
      <image:caption>A college education is one of the greatest gifts you can provide your child. But, you don’t have to sacrifice your retirement. The double loan consolidation loophole can help cut your Parent PLUS payments in half.</image:caption>
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    <image:image>
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      <image:title>Resources - Double Consolidation: Your Silver Bullet to Parent PLUS Loans - Make it stand out</image:title>
      <image:caption>To get on a favorable IDR plan and open the road to forgiveness, you’ll need to consolidate your Parent PLUS loans, but not all at once. Instead, use the double consolidation loophole.</image:caption>
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    <image:image>
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      <image:title>Resources - Double Consolidation: Your Silver Bullet to Parent PLUS Loans - Make it stand out</image:title>
      <image:caption>To perform a double loan consolidation, you’ll need to perform three separate consolidations in two rounds. To do this successfully, there are a few points to keep in mind.</image:caption>
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      <image:title>Resources - Double Consolidation: Your Silver Bullet to Parent PLUS Loans - Make it stand out</image:title>
      <image:caption>Double loan consolidation requires some effort and organization, but the benefits are well worth it. If you’re struggling with Parent PLUS loan payments, this strategy can help you prioritize your other financial goals, like saving for retirement.</image:caption>
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  <url>
    <loc>https://www.studentloansover50.com/resources/2023-updates-idr-account-adjustment</loc>
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    <priority>0.5</priority>
    <lastmod>2023-10-14</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fe10a02d824df3b00c8d2a7/e00b53dd-2cf0-4e55-ac3d-2795550fa928/erik-kroll_student-loans-over-50_loan-consolidation-for-idr-adjustment.jpg</image:loc>
      <image:title>Resources - IDR Account Adjustment: Get Extra Credits For Past Payments - Make it stand out</image:title>
      <image:caption>If you have FFEL or Parent PLUS loans, loan consolidation can make a lot of sense to maximize this benefit. For Parent PLUS loans, be sure to consolidate into two batches for a double loan consolidation.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fe10a02d824df3b00c8d2a7/1680757817788-J83I1FDVDMC5K9NA32G9/pexels-mikhail-nilov-6963909.jpg</image:loc>
      <image:title>Resources - IDR Account Adjustment: Get Extra Credits For Past Payments - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fe10a02d824df3b00c8d2a7/34049bfa-1e03-484d-926a-e3e7951f9406/erik-kroll_student-loans-over-50_idr-account-adjustment_see-results-2024.jpg</image:loc>
      <image:title>Resources - IDR Account Adjustment: Get Extra Credits For Past Payments - Make it stand out</image:title>
      <image:caption>You’ll see this IDR adjustment happen automatically if you have qualifying loans, and you’ll likely start seeing your payment counts change in early 2024. If you have FFEL or Parent PLUS loans, you’ll just need to take a couple steps first.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fe10a02d824df3b00c8d2a7/c5559879-e5e1-491d-b1de-d9906d74edb8/erik-kroll_student-loans-over-50_idr-account-adjustment_get-credit-for-past-pslf-qualifying-payments.jpg</image:loc>
      <image:title>Resources - IDR Account Adjustment: Get Extra Credits For Past Payments - Make it stand out</image:title>
      <image:caption>The IDR account adjustment will credit 1) payments you made on a fixed plan, 2) time spent in forbearance, and 3) previous payments made to loans that you’ve consolidated.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fe10a02d824df3b00c8d2a7/24e42c50-eb00-4ef1-b796-6153056e1eb4/erik-kroll_student-loans-over-50_idr-account-adjustment_extra-payments-for-student-loans.jpg</image:loc>
      <image:title>Resources - IDR Account Adjustment: Get Extra Credits For Past Payments - Make it stand out</image:title>
      <image:caption>To make sure you qualify for this benefit, review your loan situation and see what kind of loans you have. This will help you determine which steps to take next.</image:caption>
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  </url>
  <url>
    <loc>https://www.studentloansover50.com/resources/plan-for-bidens-cancellation-of-student-loan-debt</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-13</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fe10a02d824df3b00c8d2a7/98b7883b-0741-4f27-837d-3665f6e6dfc3/iStock-1524637227.jpg</image:loc>
      <image:title>Resources - How To Plan Around Biden’s Loan Cancellation - Make it stand out</image:title>
      <image:caption>Currently, the Supreme Court is debating the legality of Biden’s loan cancellation program. Experts predict the Supreme Court will reach a final decision by late June.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fe10a02d824df3b00c8d2a7/04c9d382-0569-412e-b6bf-9b45a369bfad/start-planning-for-2023-student-loan-payments-starting-soon.jpg</image:loc>
      <image:title>Resources - How To Plan Around Biden’s Loan Cancellation - Make it stand out</image:title>
      <image:caption>Student loans and interest will be starting again this summer. Experts aren’t optimistic about Biden’s loan cancellation case (and there’s currently no backup). The best thing you can do is put together a repayment plan that explores other ways to save.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fe10a02d824df3b00c8d2a7/9247921a-f9d3-43c3-ae42-47c5c75a45bb/What+is+Bidens+student+loan+program+.jpg</image:loc>
      <image:title>Resources - How To Plan Around Biden’s Loan Cancellation - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fe10a02d824df3b00c8d2a7/d8b61a8d-5e39-419e-9c05-313d8e4106be/erik-kroll-cfp-provides-student-loan-repayment-plans-and-financial-planning-services.jpg</image:loc>
      <image:title>Resources - How To Plan Around Biden’s Loan Cancellation - Make it stand out</image:title>
      <image:caption>Don’t let fear or uncertainty discourage you from seeking alternatives like forgiveness, repayment assistance programs, or refinancing. If you need help putting together a repayment plan this summer, I can help.</image:caption>
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  </url>
  <url>
    <loc>https://www.studentloansover50.com/resources/repaye-program-update-2023</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-13</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fe10a02d824df3b00c8d2a7/a212cb39-7923-477b-b553-4d5f7bc406fc/2023-REPAYE-help-older-borrowers-support-financial-goals.jpg</image:loc>
      <image:title>Resources - Don’t Miss This 2023 REPAYE Update - Make it stand out</image:title>
      <image:caption>Older borrowers can use the updated REPAYE plan to free their cash flow and support their other financial goals, like spending more time with their families.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fe10a02d824df3b00c8d2a7/1678145741058-A3XHS5PZ3I5DW0GZC3KX/erik-kroll-student-loans-over-50-modified-repaye-update.jpg</image:loc>
      <image:title>Resources - Don’t Miss This 2023 REPAYE Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fe10a02d824df3b00c8d2a7/f2a09b25-c16e-472e-a63b-8b5fb3fbb070/REPAYE-program-student-loans-upgrade-older-borrowers.jpg</image:loc>
      <image:title>Resources - Don’t Miss This 2023 REPAYE Update - Make it stand out</image:title>
      <image:caption>Under the proposed REPAYE update, you can file taxes separately, take a larger income deduction, have 0% interest, and pay as little as 5% of your income. It's a welcome upgrade for most borrowers!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fe10a02d824df3b00c8d2a7/3c8e4c2d-bec1-4a06-8d48-28dd6b9c7d06/repaye-parent-plus-loan-borrowers-double-loan-consolidation.jpg</image:loc>
      <image:title>Resources - Don’t Miss This 2023 REPAYE Update - Make it stand out</image:title>
      <image:caption>If you have Parent PLUS loans, there are still ways to access the 2023 REPAYE program update. If you have 4 or more Parent PLUS loans, you can use the double loan consolidation loophole to qualify.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fe10a02d824df3b00c8d2a7/a63e0c6d-7ac5-43b0-98ac-e6b259071292/2023-REPAYE-program-potential-savings.jpg</image:loc>
      <image:title>Resources - Don’t Miss This 2023 REPAYE Update - Make it stand out</image:title>
      <image:caption>Millions of Americans await the Supreme Court's decision on the legality of Biden's loan cancellation program. Meanwhile, the REPAYE program will have major updates coming this year, potentially saving borrowers MORE than $10K-$20K.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.studentloansover50.com/resources/your-top-student-loan-relief-questions-answered</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fe10a02d824df3b00c8d2a7/78ba532e-4c7b-4503-9705-835500a8ef05/SL50_older-student-loan-borrowers_5.jpg</image:loc>
      <image:title>Resources - Your Top Student Loan Forgiveness Questions, Answered - Make it stand out</image:title>
      <image:caption>Student loan forgiveness programs reward financial responsibility. Rather than defaulting on their loans, borrowers are incentivized to make consistent payments.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fe10a02d824df3b00c8d2a7/a825de99-be4f-4421-8e7d-ef6f71d3b347/SL50-Discuss-Parent-PLUS-Loans-With-Family.jpg</image:loc>
      <image:title>Resources - Your Top Student Loan Forgiveness Questions, Answered - Make it stand out</image:title>
      <image:caption>Senior adults are the fastest-growing segment of student loan borrowers, according to the Federal Reserve Bank of New York. Student loan relief options, like forgiveness, can help significantly.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fe10a02d824df3b00c8d2a7/4aa074a9-c0fc-44a4-b9f7-9b2bb5adf53b/SL50_older-student-loan-borrowers_4.jpg</image:loc>
      <image:title>Resources - Your Top Student Loan Forgiveness Questions, Answered - Make it stand out</image:title>
      <image:caption>Student loan cancellation and student loan forgiveness can help both younger and older borrowers. For those with Parent PLUS loans, you can qualify for forgiveness by restructuring your loans through a double loan consolidation.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fe10a02d824df3b00c8d2a7/1675202578155-WCMQPSW28YHM386IXGA4/pexels-marcus-aurelius-6787978.jpg</image:loc>
      <image:title>Resources - Your Top Student Loan Forgiveness Questions, Answered - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fe10a02d824df3b00c8d2a7/f455b50d-bea6-4b1d-bb65-c1a9f22c0eaf/SL50_older-student-loan-borrowers_6.jpg</image:loc>
      <image:title>Resources - Your Top Student Loan Forgiveness Questions, Answered - Make it stand out</image:title>
      <image:caption>You’ll need federal direct loans to qualify for forgiveness. If you have non-direct federal loans or Parent PLUS Loans, restructure your loans to qualify for the best IDR plans.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fe10a02d824df3b00c8d2a7/0b57821f-0dd6-40f7-8c0a-9eef52f7b42e/image-asset.jpeg</image:loc>
      <image:title>Resources - Your Top Student Loan Forgiveness Questions, Answered - Make it stand out</image:title>
      <image:caption>Don’t let fear discourage you from exploring standard forgiveness. Tax-free forgiveness is available through 2025, and you may be closer than you think! Work with a financial advisor to review your situation in detail and help you leverage every possible option.</image:caption>
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      <image:title>Resources - Your Top Student Loan Forgiveness Questions, Answered - Make it stand out</image:title>
      <image:caption>If you properly structure your federal loans, you can use loan discharge to take care of your loans, tax-free, in case of a health emergency.</image:caption>
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      <image:caption>The Public Service Loan Forgiveness (PSLF) program was created to support non-profit nurses and doctors, teachers, and other public sector employees.</image:caption>
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      <image:caption>Besides refinancing, you can also explore student loan assistance programs and benefits. Many companies leverage these benefits to attract and retain talent.</image:caption>
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      <image:caption>Student loan forgiveness isn’t a scam, but it’s important to know what real scams look like. Never share your login details or believe promises to “renegotiate” your student loan debt.</image:caption>
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      <image:caption>A trustworthy student loan expert will walk through the entire process with you. Be sure to review all paperwork together before signing, and send in documents yourself.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Your Top Student Loan Forgiveness Questions, Answered Did you know older borrowers are the fastest-growing group of student loan holders in the US? If you’re considering student loan relief, this article busts common myths and answers your top questions.</image:caption>
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      <image:title>About (Outdated) - Hi, I’m Erik Kroll.</image:title>
      <image:caption>I’m a fee-only financial planner helping with those over 50 years old conquer their student loans.</image:caption>
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      <image:title>About - Hi, I’m Erik Kroll.</image:title>
      <image:caption>I help those over 50 years old conquer their student loans.</image:caption>
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