I think TDFs are fine. Some like to manage their own portfolio and tweak it to be more aggressive or more passive. It may save you a tiny bit on the expense ratios if you do it yourself.

If I refinance my mother’s parent plus loans in my name, will it show up as an educational loan on my credit report?

I am trying to utilize the smartbuy 3.0 program in MD. Looking into that as a possibility of student loan forgiveness. I asked a lender and they said only loans that show up on your credit report as “educational loans” qualify.

Would this fall under an educational loan?