student loans
Loopholes Tagged "student loans"
Plain-English guides to U.S. legal rights and workarounds related to student loans.
College Application Fee Waivers
$50 - $100 per application (typically 10–20 applications = $500 - $2,000)
Employer Education Assistance Exclusion — Get Up to $5,250 of Job-Related Education Tax-Free
Up to $5,250 per year of employer-paid education can stay out of taxable income
False Certification Discharge — Wipe Out Federal Loans If the School Falsely Qualified You
Can fully eliminate a federal student loan that should never have been made
Perkins Loan Cancellation — Public-Service Work Can Erase Old Federal Perkins Debt
Can cancel some or all remaining Perkins balance through qualifying service
TEACH Grant Discharge Paths — Avoid Surprise Loan Conversion When a Service Obligation Breaks Down
Can prevent or reduce unexpected student-loan debt after a TEACH Grant issue
Unpaid Refund Discharge — Reduce Federal Loans When a School Kept Money It Should Have Returned
Can reduce a federal student loan balance tied to a school’s failure to return funds
529 Superfunding — Front-Load Five Years of College Savings and Remove Up to $180,000 From Your Taxable Estate
Remove $90,000–$180,000 from your taxable estate immediately; decades of tax-free compounding
College Financial Aid Professional Judgment Appeal
$1,000 - $20,000+ per year
Public Service Loan Forgiveness — Tax-Free Student Loan Forgiveness After 10 Years of Public Service
Full remaining federal student loan balance forgiven tax-free after 120 qualifying payments
Income-Driven Repayment — Cap Your Student Loan Payments and Earn Forgiveness
Hundreds to thousands per year in reduced payments; full loan forgiveness after 20–25 years of qualifying payments