When PSLF Isn't Right For You: Why Miranda Walked Away From Forgiveness
Student Loan Planner · Travis Hornsby
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Show Notes
Some people simply aren't suited for PSLF, and that's okay. Student loan repayment is all about making decisions that are right for you and your family, and that's what we're talking about today. Join Senior Student Loan Advisor Lauryn Williams, CFP®, CSLP®, as she sits down with Miranda, a physical therapist and real, life student loan borrower who qualified for PSLF but chose to go a different route.
In today's episode, you'll find out:
- Why Miranda gave up loan forgiveness with only two years to go
- What prompted Miranda to go from a physical therapist to starting her own forgiveness
- Strategies Miranda uses to lower her adjusted gross income and save for retirement
- Why borrowers in "the bubble" aren't eligible for Pay As
- You Earn (PAYE) and what that means for student loan repayment
- How your borrowing timeline impacts your repayment plan
- How the tax bomb affects your tax liability in a big way
- Miranda's thoughts about hearing the numbers behind her student loan repayment choices
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