SECURE 2.0 §110 lets employers match 401(k) contributions based on student loan payments.
SECURE 2.0 §110 (effective 2024) lets employers make matching 401(k)/403(b) contributions based on employees' qualified student loan payments — same match formula as regular deferrals. Employee makes loan payment → employer contributes to retirement. Ideal for young professionals who can't afford to defer AND pay loans. Some employers (Abbott, Aetna, Fidelity, PwC) also match 529 contributions.
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Roll up to $35K of leftover 529 funds into a Roth IRA — tax-free, penalty-free.
Front-load 5 years of gift-tax exclusion into one 529 contribution.
Get $5,250/yr of tuition or student-loan repayment tax-free from your employer.
Combine income-driven repayment with 501(c)(3) employment for full loan forgiveness at year 10.
Up to $2,500/yr AOTC per child + $2,000/yr LLC for grad/continuing ed.
$2K/yr tax-free growth for K-12 tuition, uniforms, tutoring — 529 can't touch this.
Servicemembers can transfer up to 36 months of GI Bill benefits to spouse/kids.
Establish domicile in a low-tuition state 12 months before enrollment — save $100K+.