NewBeginnings Student Loan Advocacy & Financial Literacy

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NewBeginnings Student Loan Advocacy & Financial Literacy Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from NewBeginnings Student Loan Advocacy & Financial Literacy, Business service, 1312 North Monroe Street , Suite 109, Spokane, WA.

NewBeginnings is a successful student loan advocacy and financial literacy organization specializing in individualized repayment and forgiveness strategic planning, financial literacy, and creating critical, meaningful relationships with all borrowers.

10/26/2026

We’ve been quiet. But not because we slowed down.

The last few weeks have been some of the busiest we’ve ever had at New Beginnings, and honestly, I’ve loved every minute. Here’s what’s been happening behind the scenes:

→ Redesigning our Individualized Student Loan Assessment, so it looks as professional as the work inside it
→ Advising a new group of entrepreneurs at Gonzaga’s New Venture Lab
→ Preparing Quarterly Updates for every single one of our clients
→ And wrapping a photo shoot for something brand new

✨ This week, I’m pulling back the curtain on all of it. The work you don’t always see is the work that makes the biggest difference for our clients.✨

And Friday? You’ll find out what that photo shoot was really about.

10/19/2026

If you watched every post the last two weeks and still don’t know which plan is right for you, that’s not your fault.

There are seven different repayment plans, new rules, deadlines, and decisions you can’t undo. And the right answer for you depends on things no calculator can see: your loan history, your career, your family, and what you’re actually working toward.

That’s exactly what our Individualized Student Loan Assessment is for. Here’s what happens:

→ We review your complete federal loan history, every loan and every date
→ We figure out which plans you can still use, and which ones you can’t
→ We compare your options side by side, including RAP and IBR
→ We build a strategy around your goals, whether that’s PSLF, a lower payment, or paying off faster
→ We walk you through all of it in your Assessment Review, so you leave with clarity, not more questions

You don’t need to become a student loan expert. You just need someone who already is, and who takes the time to get to know you.

Save this recap so you can come back to it. Then let’s build your plan.

Teachers, paraeducators, professors, and school district employees, this is your sign to stop guessing.

Start your assessment at www.nbspo.com or tap the link in our bio.

10/16/2026

After two weeks of repayment plans, you might be thinking, “Okay, but which one is right for ME?”

Here’s the honest answer: it depends. But there’s one question that narrows it down fast. Are you working toward forgiveness, or paying your loans off?

Fixed plans are based on what you owe:

→ 10-Year Standard: counts for PSLF, but usually leaves little or nothing to forgive
→ Graduated: payments rise over time, doesn’t count for PSLF
→ Extended: up to 25 years, doesn’t count for PSLF
→ Tiered Standard: 10 to 25 years based on your balance, don’t count on it for PSLF

Income-driven plans are based on what you earn:

→ RAP and IBR are here to stay
→ PAYE and ICR end by July 1, 2028. If you don’t switch before then, you’ll be moved into RAP

If you’re working toward PSLF, an income-driven plan usually gives you the lowest qualifying payment over 120 payments. If you’re paying off your loans, a fixed plan can give you predictability and a clear finish line.

There’s no one right plan. There’s the right plan for you.

𝗧𝗲𝗮𝗰𝗵𝗲𝗿𝘀, 𝗽𝗮𝗿𝗮𝗲𝗱𝘂𝗰𝗮𝘁𝗼𝗿𝘀, 𝗽𝗿𝗼𝗳𝗲𝘀𝘀𝗼𝗿𝘀, 𝗮𝗻𝗱 𝘀𝗰𝗵𝗼𝗼𝗹 𝗱𝗶𝘀𝘁𝗿𝗶𝗰𝘁 𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗲𝘀, 𝘀𝗮𝘃𝗲 𝘁𝗵𝗶𝘀 𝗽𝗼𝘀𝘁 𝗮𝗻𝗱 𝘀𝗵𝗮𝗿𝗲 𝗶𝘁 𝘄𝗶𝘁𝗵 𝘀𝗼𝗺𝗲𝗼𝗻𝗲 𝗶𝗻 𝘆𝗼𝘂𝗿 𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴.

Drop your questions below 👇 Next week, I’m answering them.

www.nbspo.com

10/15/2026

There’s a repayment plan where your income doesn’t matter at all. And for some borrowers, it’s the plan they’ll land on without ever choosing it.

The Tiered Standard Repayment Plan launched July 1, 2026. Your payment is fixed and based on your balance, and the more you owe, the longer you pay:

→ Under $25,000: 10 years
→ $25,000 to $49,999: 15 years
→ $50,000 to $99,999: 20 years
→ $100,000 or more: 25 years
→ Minimum payment: $50 a month

Who needs to pay attention:

→ Anyone with a new loan or consolidation on or after July 1, 2026. This is your default if you don’t choose a plan
→ Parents with new Parent PLUS loans, or who consolidate Parent PLUS loans after July 1, 2026. This is your only option
→ SAVE borrowers whose 90-day window runs out, who could land here or on a Standard plan

There’s no forgiveness on this plan. You repay the full balance. And if you’re working toward PSLF, don’t count on Tiered Standard to get you there.

For borrowers who aren’t pursuing forgiveness and want a predictable payment with a clear payoff date, it can be a great fit.

Tomorrow: putting it all together.

www.nbspo.com

10/14/2026

A lower payment can feel like a win, but don't be deceived!

The Graduated and Extended plans can make your monthly payment more manageable. Here’s the part nobody mentions when you sign up: neither one counts toward PSLF.

Here’s what you need to know:

→ Only available if all of your loans were taken out before July 1, 2026, with no consolidation since
→ Graduated: payments start low and rise about every two years, paid off in 10 years
→ Extended: fixed or graduated payments, stretched up to 25 years, generally for borrowers with more than $30,000 in Direct Loans
→ A longer term means a lower payment, but more interest over time
→ Neither plan counts toward PSLF

These plans can be a fit for borrowers who aren’t pursuing forgiveness and want a lower payment now, or who expect their income to grow.

Tomorrow: the new Tiered Standard Repayment Plan.

www.nbspo.com

10/13/2026

Real talk. The FIXED REPAYMENT PLANS you can use now depend on one date, and a lot of borrowers don’t know which side of it they’re on.

If all of your loans were taken out before July 1, 2026, and you haven’t consolidated since, you still have the older fixed plans. If you took out a new loan or consolidated on or after that date, your options shrink, and that applies to all of your loans, even the old ones.

Here’s how it breaks down:

→ All loans before July 1, 2026: 10-Year Standard, Graduated, Extended, and Tiered Standard are all still on the table
→ Any new loan or consolidation on or after July 1, 2026: Tiered Standard is your only fixed plan
→ The 10-Year Standard plan counts toward PSLF
→ But after 120 payments on it, there’s usually little or nothing left to forgive

If you’re working toward PSLF and you’re on the 10-Year Standard plan, you could be paying far more than you need to. And if you’re thinking about consolidating, please talk to someone first. That one move can change your options permanently.

Tomorrow: the Graduated and Extended plans.
www.nbspo.com

10/12/2026

𝗛𝗶𝘀 𝗳𝗶𝗿𝘀𝘁 𝗺𝗼𝗻𝘁𝗵𝗹𝘆 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝘄𝗮𝘀 $𝟵𝟴𝟯. 𝗛𝗶𝘀 𝗻𝗲𝘄 𝗽𝗮𝘆𝗺𝗲𝗻𝘁 𝗶𝘀 $𝟭𝟮𝟲.

𝗧𝗵𝗮𝘁’𝘀 $𝟴𝟱𝟳 𝗮 𝗺𝗼𝗻𝘁𝗵 𝗯𝗮𝗰𝗸 𝗶𝗻 𝗵𝗶𝘀 𝗳𝗮𝗺𝗶𝗹𝘆’𝘀 𝗯𝘂𝗱𝗴𝗲𝘁. 𝗢𝘃𝗲𝗿 $𝟭𝟬,𝟬𝟬𝟬 𝗮 𝘆𝗲𝗮𝗿.

This is a real client in the Midwest, working toward Public Service Loan Forgiveness. A $983 payment wasn’t sustainable for him and his family. But here’s the thing: that number was never the whole story.

Real talk. The numbers you see from a calculator or your servicer only know what you plug in. They don’t know your family, your career, your goals, or the strategy that fits all three. That’s where the real difference happens.

→ 11 years of building strategies around income-driven repayment
→ A strategy built around who you are, not just your balance
→ One goal: the lowest qualifying monthly payment on your path to forgiveness

✨ 𝗪𝗲 𝗱𝗼𝗻’𝘁 𝗴𝘂𝗲𝘀𝘀. 𝗪𝗲 𝗴𝗲𝘁 𝘁𝗼 𝗸𝗻𝗼𝘄 𝘆𝗼𝘂, 𝗮𝗻𝗱 𝘁𝗵𝗲𝗻 𝘄𝗲 𝗳𝗶𝗴𝗵𝘁 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗽𝗹𝗮𝗻 𝘁𝗵𝗮𝘁 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗳𝗶𝘁𝘀 𝘆𝗼𝘂𝗿 𝗹𝗶𝗳𝗲.

Let us take a look. Link in bio, or visit www.nbspo.com

10/10/2026

I’m not going to lie. Walking onto campus today, I got a little emotional.

Four years ago, I came to Gonzaga’s New Venture Lab as a business owner who was still figuring a lot of things out. I had a big mission and a lot of questions. The people in this program didn’t just give me answers. They believed in what we were building at New Beginnings, and that meant more than I can put into words.

Today, I got to come back as an advisor for a new group.

And here’s what I want them to know. Our story hasn’t been perfect. Not even close. There have been mistakes, hard seasons, and moments I wondered if I was doing any of this right. But every one of those moments taught me something, and now I get to hand those lessons to someone just starting out.

That’s the heart of business for me. Not just what you build, but who you lift up along the way.

New Venture Lab, thank you for everything you’ve given me and New Beginnings. I’m so honored to give a little of it back.

10/09/2026

Real talk. If this week’s posts felt like a lot, you’re not alone. So here’s everything on one page. Save this one.

The four income-driven plans, side by side:

→ RAP: 1% to 10% of your income, $10 minimum, $50 off per dependent, forgiveness after 30 years, counts for PSLF
→ IBR: 10% or 15% of discretionary income, forgiveness after 20 or 25 years, loans taken out before July 1, 2026 only, counts for PSLF, here to stay
→ PAYE: 10% of discretionary income, forgiveness after 20 years, ends by July 1, 2028
→ ICR: up to 20% of discretionary income, forgiveness after 25 years, ends by July 1, 2028

If you’re working toward PSLF, the right plan is the one with the lowest qualifying payment over 120 payments. That’s different for everyone, which is exactly why we build every strategy one borrower at a time.

Teachers, paraeducators, professors, and school district employees, share this with someone in your building who’s still sitting in SAVE.

Next week: the fixed repayment plans

Let's figure out the right plan for you: www.nbspo.com

Address

1312 North Monroe Street , Suite 109
Spokane, WA
99202

Opening Hours

Monday 7:30am - 7pm
Tuesday 7:30am - 7pm
Wednesday 7:30am - 7pm
Thursday 7:30am - 7pm
Friday 7:30am - 7pm
Saturday 9am - 5pm
Sunday 9am - 5pm

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