Hey, John. How are you?

Hi, how are you?

Better than we deserve. How can we help you?

Yes. So I have a question regarding my 40K of student loan debt. Once I pay off roughly 15,000

of other debt, do I make a charge to pay off my 40K of student loan debt or use a

main tax credit program that over 10 years would result in me paying 5,000? The program would

refund me my payments on as a refundable tax credit. And should the program fall through at some point in three years or so down the road,

I plan to have the money saved to pay the loans back immediately so that I get rid of that debt.

But is it a wise thing to just make a charge at it, disregard the program,

or let it go the 10 years and pay the

$5,000 over 10 years.

Pay it off, John.

Yep, disregard the program for many different reasons.

But one of them is just that you have the ability to pay this off and you will be debt-free on

your own regardless of a program or the government's assistant whatever it is like you you have the

ability John to pay this off and to be debt-free and to move on with your life if Maine had a program

that would give you $5,000 in one year,

while you're doing it anyway, yeah, we would take it.

But Maine has a program that keeps you in debt for 10 freaking years.

I'm not standing around in this sewage for 10 years.

No way.

Yeah.

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