#education-debt

2 articles

A Raise from $85K to $100K Can Cost You the Entire $2,500 Student Loan Deduction

We ran the same $2,500 in student loan interest at three MAGI levels — $60K keeps the full deduction, $92,500 cuts it in half, and $100K erases it completely, even though nothing about the loan changed.

The Parent PLUS Loan's 4.228% Fee Costs More Than Its Rate Gap Suggests

We ran $10,000 needed for tuition through the calculator — the 2026-27 Parent PLUS rate of 9.07% plus its 4.228% origination fee costs about $1,360 more over 10 years than an 8% private loan with no fee.