Waiting on Getting Married to Chase Public Service Loan Forgiveness
Student loan concerns about Public Service Loan Forgiveness and Income-Driven Repayment have one couple considering delaying their marriage.
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Marriage changes everything—including how student loans work. This section breaks down how getting married affects income driven repayment plans, tax filing choices, forgiveness eligibility, refinancing, and more. Whether you and your spouse both have loans or just one of you does, we cover what you need to know to make smarter joint decisions.
Getting Married: Do I Refinance and Abandon PSLF?
Marriage can change the math on student loan forgiveness. In some cases, shifting to an aggressive repayment strategy is better than sticking with Public Service Loan Forgiveness.
Do I need a divorce for lower student loan payments?
There is a marriage penalty with student loans. Careful repayment plan selection and tax preparation often means that resorting to a divorce isn’t necessary.
