WanderFree
Debt navigation — $1.77T in student loan debt, SAVE plan blocked by courts 2024, PSLF 98% denial rate pre-2021 (reformed but complex), medical debt removed from credit reports 2025, trans debt specific patterns.
Finance & LegalAbout
Student loan debt in the US is $1.77 trillion. The SAVE (Saving on a Valuable Education) income-driven repayment plan was blocked by federal courts in 2024, stranding millions of borrowers in payment uncertainty. PSLF (Public Service Loan Forgiveness) had a 98% denial rate from 2017-2019 before TEPSLF and waiver programs — the reformed program has processed significant forgiveness but requires precise employment certification and payment tracking that servicers have documented errors on. Medical debt was removed from credit bureau reporting in 2025 by CFPB rule, but collection agencies still operate and the dispute process is opaque. LGBTQ+ people carry 5% higher student debt than comparable non-LGBTQ+ graduates on average — driven by family financial cutoff, higher rates at for-profit schools, and healthcare debt for transition-related care. Trans people face specific medical debt patterns: insurance denials for trans-related care generate debt that other populations don't face. WanderFree is local-first debt intelligence that models payoff strategy across all debt types simultaneously.
Features
- PSLF tracker: qualifying payment counter, employer certification, servicer error documentation
- SAVE plan status: court-blocked alternative pathways — what's available in the current legal landscape
- IDR optimizer: SAVE vs. IBR vs. PAYE vs. ICR — income-driven plan comparison for your specific situation
- Medical debt: CFPB 2025 credit reporting rule explained + dispute generator for collection activity
- Trans-related medical debt: insurance denial appeals, charity care applications, dispute strategies
- Student debt: servicer error documentation — FedLoan, MOHELA documented errors affect PSLF
- Credit card avalanche vs. snowball: which wins mathematically for your specific balance mix
- WanderFund integration: savings and debt payoff in the same financial intelligence layer
- Bankruptcy navigation: LGBTQ+-specific guidance on Chapter 7 vs. 13, student loan discharge eligibility
- Benefits impact: how debt payoff strategies interact with income-based program eligibility