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people who actually apply for student loan forgiveness has actually gotten it and received it.

This show is dedicated to helping you, strengthen your family tree and live financially free.

Welcome to the Marriage Kids and Money podcast, everybody.

This is Andy Hill, and today we're going to do two things.

First, we're going to answer a question from the marriage kids and money community about income-based repayment and student loans. And second, my daughter Zoe is going to join me

for another money quiz, and she's going to read our review of the month. All right, let's jump into

today's show.

I received a question from Stephen on Instagram at Andy Hill, MKM, and here it is.

My wife, and now me too, has $215,000 of student loan debt. We were using an IBR plan, haven't been paying since the pandemic, except a little bit.

It seems like the right thing to do is pay the $600 to $700 per month, then pay tax on the forgiven amount.

Or do we get as aggressive as possible and pay the damn thing down? I feel stupid I'm studying

for the CPA exam and I should be able to figure this out. Who should we turn to for help?

Well, Steven, thank you so much for writing in on Instagram. I appreciate that. I feel your

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