If you're coming out of professional school this fall, here's the quirk in your favor: you almost certainly didn't borrow after July 2026, which means you still have access to every repayment plan that existed before that cutoff. Some of these new-grad moves have been around for years, but the arrival of the Repayment Assistance Plan (RAP) changes the math, and we walk through the hacks that let high-debt full-payoff borrowers start $10 payments and get their interest wiped to roughly 0% for the first year.

Then we zoom out: why you shouldn't rewire your portfolio over AI-bubble jitters, and why the best financial call you make in your 20s or 30s might be spending the money before your knees give out.

Key moments:

(01:44) The cost of using your full six-month grace period after graduation

(02:26) Consolidating at graduation: when it’s a good idea, and when it’s a disaster

(05:19) How the interest subsidy hack can be worth $15K–$20K for high-debt grads

(08:36) Why I think you should take some non-financial risks while you’re young

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