Your Guide To Student Loans in 2025 with Joe McGrath (Ep. 112)
Student loans have shifted so many times this year that even well-informed professionals are unsure what rules still apply.
Iván Watanabe and Evan Wohl talk with returning guest Joe McGrath of GradFin to help bring clarity to a landscape that feels anything but stable right now. Joe explains what borrowers should understand about the SAVE program pause, why PSLF has become harder to navigate, and how the upcoming RAP program could reshape repayment for years to come.
He also discusses the mistakes that often derail forgiveness and the updated refinancing environment as rates continue to adjust.
What to expect:
- A simple breakdown of SAVE, IBR, RAP, and how each affects your path to repayment
- Why PSLF rejection rates remain high and how to avoid common pitfalls
- When refinancing may make sense again for high earners
- Guidance for physicians and professionals facing major policy shifts
- And more!
Connect with Iván Watanabe:
- Opus Private Client, LLC
- iwatanabe@opus-pc.com
- LinkedIn: Iván Watanabe
- YouTube: OPUS Private Client, LLC
Connect with Evan Wohl:
Connect with Joe McGrath:
About Our Guest:
Joseph McGrath presents GradFin’s services to financial advisors from coast to coast about the value of meeting with a student loan consultant to help navigate the perfect repayment plan. In addition to his current role in sales and client management, he has additional experience in both the recruiting and non-profit industries. Joseph currently lives in Philadelphia and is a graduate of Temple University’s Fox School Of Business with a BBA in Marketing.
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