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PSLF vs. TLF Decision Tool

Should you take $17,500 now or wait for total forgiveness? We model the "Double Counting" restriction.

$

From your last tax return. Used for IDR payment estimates.

$

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Coach’s Tips

Financial wisdom

  • Use gross income (before taxes) for pension estimates.
  • Teachers are paid 12 months, but work 10. Plan accordingly.
  • Your 403(b) fees can eat 40% of returns. Check them yearly.
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