Timing your tax filing can mean serious savings on your monthly payments, especially if you're on an income-driven repayment (IDR) plan and aiming for forgiveness. We break down scenarios for when it makes sense to file right away, when to wait, and how married couples or borrowers with irregular income can play their cards for the biggest advantage.

If you've ever wondered how your AGI or recertification date could influence your student loan bills, this episode gives you straightforward strategies you can use right now.

Key moments:

(07:48) Why when you file your tax return directly affects your IDR payment amount

(10:59) Filing a tax extension is free, but if you owe taxes, you must pay by April 15

(18:13) When filing early (or on time) makes more sense than filing an extension

(21:39) SAVE borrowers can lock in the ideal recertification date by switching plans between April 15 and October 15

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