Refi 7–8% private loans to 4–5%, deploy the payment savings into index funds.
Refinance high-rate private student loans (SoFi, Earnest, Laurel Road, Splash) from 7–8% to 4–5.5% depending on credit + income. Never refi FEDERAL loans if PSLF, SAVE, or forgiveness is in play — you lose all protections. On $200K balance, 2-point rate cut = ~$4K/yr interest savings; redirect payment delta into a taxable brokerage for 20-year compounding.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
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.
SECURE 2.0 §110 lets employers match 401(k) contributions based on student loan payments.