Imagine a world where the SAVE plan is struck down by the courts, taking various income-driven repayment (IDR) plans with it and leaving millions of borrowers scrambling. This worst-case scenario could block hundreds of thousands from accessing Public Service Loan Forgiveness (PSLF) and introduce massive complications for those on IDR plans. But don’t worry, I’ll break down this doomsday scenario, discuss its implications, and offer strategies for how you can best prepare.

Highlights from this episode:

02:37 Tougher eligibility for PSLF and income-driven repayment 06:33 Key tax strategies (reducing AGI, filing separately, and community property considerations) 09:36 Why I’m not overly concerned just yet 16:51 How to make sure you can still get a spot on the IBR plan

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The Worst-Case Scenario with SAVE Lawsuits