Combine income-driven repayment with 501(c)(3) employment for full loan forgiveness at year 10.
Public Service Loan Forgiveness discharges the remaining federal student loan balance after 120 qualifying payments while working full-time at a 501(c)(3) or government employer. Combine with SAVE / IDR plans to minimize monthly payment (as low as $0 for low-income years like residency/fellowship), then let the balance grow — forgiven amount is tax-free under PSLF. Six-figure forgiveness common for doctors, lawyers, teachers.
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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.
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.
SECURE 2.0 §110 lets employers match 401(k) contributions based on student loan payments.
Establish domicile in a low-tuition state 12 months before enrollment — save $100K+.