{"id":11670,"date":"2022-08-26T05:35:40","date_gmt":"2022-08-26T10:35:40","guid":{"rendered":"https:\/\/www.fitbux.com\/articles\/?p=11670"},"modified":"2023-07-01T12:54:20","modified_gmt":"2023-07-01T17:54:20","slug":"discretionary-income-student-loans","status":"publish","type":"post","link":"https:\/\/www.fitbux.com\/articles\/discretionary-income-student-loans\/","title":{"rendered":"Discretionary Income and Student Loans"},"content":{"rendered":"

When it comes to personal finance, discretionary income is the amount of money we have left over after we pay for our expenses.\u00a0 However, discretionary income for student loans means something different.<\/p>\n

When it comes to student loan forgiveness plans (a.k.a. income-driven repayment plans<\/a>), the Federal government uses a calculation to make sure your monthly payment is affordable.\u00a0 They have termed the result of this calculation \u201cdiscretionary income.\u201d\u00a0 This article details the calculation.\u00a0 This calculation is extremely important for IBR and PAYE<\/a> plans.<\/p>\n

Note: If you have not read our Student Loan Forgiveness Guide<\/a>, I highly recommend reading that first before proceeding.<\/u><\/em><\/p>\n

\u00a0<\/p>\n

<\/h2>\n

Table of Contents:<\/h2>\n
    \n
  1. Two Easy Ways To Calculate Discretionary Income For Student Loans<\/a><\/li>\n
  2. Calculating Discretionary Income For Student Loans By Yourself<\/a><\/li>\n
  3. What If I was A Student Last Year<\/a><\/li>\n<\/ol>\n

    <\/a><\/p>\n

    Two Easy Ways To Calculate Discretionary Income For Student Loans<\/h2>\n

    If you are just trying to get a ballpark estimation of what your monthly payment will be on a student loan forgiveness plan, then you can estimate it from your gross income.\u00a0 Gross income is simply how much you make each year before any deductions.<\/p>\n

    We\u2019ve helped thousands of new grads manage and eliminate over $1.7 billion in student loans.\u00a0 Based off of the data we\u2019ve collected from those using our IDR Tax Savings Solution<\/a>, we typically see the required monthly payment be 6% – 8% of gross income.\u00a0 For example, if you make $100,000 per year, then your student loan payments will be between $6,000 and $8000 for the year. This equates to monthly payments between $500 and $666.<\/p>\n

    The second easy way you can calculate discretionary income for student loans is to use our IDR calculator<\/a>.\u00a0 This will give you a more exact number and is based specifically on your situation. The tool is accessible through your free FitBUX membership.<\/p>\n

    P.S. I\u2019m obviously biased but we built our student loan forgiveness tool to be better than all others\u2026I think it\u2019s awesome and hope you will too plus you can speak to expert student loan planners<\/a>!<\/a><\/p>\n

    \"FitBUX's<\/a><\/p>\n

    Calculating Discretionary Income For Student Loans By Yourself<\/h2>\n

    If you want to dive deeper into the calculation yourself, then use the the three steps below.\u00a0 I highly recommend reading this section if you want to get familiar with the math. It\u2019s beneficial because you can learn how to \u201coptimize\u201d the numbers to put yourself in a better situation. The math also allows you to have a further understanding of the risks of using student loan forgiveness plans.<\/p>\n

    Step 1: Federal poverty line for your family size<\/h3>\n

    The government has developed a formula for determining a \u201cPoverty Line.\u201d The poverty line is the same in all states except Alaska and Hawaii.<\/p>\n

    Here is a link to the family poverty line<\/a> (also called FPL for short).<\/p>\n

    For our example, let\u2019s assume you are married with one child.\u00a0 Your \u201cpoverty line\u201d would be $21,960.\u00a0 Take a note of your number and write it down.\u00a0 We will be using it in Step 2 and Step 3.<\/p>\n

    Step 2: Multiply Your FPL by 150% or 225%<\/h3>\n

    Just like taxes, you can deduct your FPL from your Adjusted Gross Income. I.e. you can reduce your discretionary income for student loan purposes.\u00a0 The result is a lower required monthly payment for your student loans.<\/p>\n

    Using our earlier example of a family of three, we\u2019d take $21,960 *1.5 = $32,940.<\/p>\n

    Under the new SAVE student loan repayment plan<\/a>, the threshold increased to 225%.\u00a0 Therefore, you would multiply the FPL by 2.25.<\/p>\n

    Step 3: Calculate Discretionary Income & Your Monthly Payment<\/h3>\n

    The next step is to take your tax return from the previous year, let\u2019s say you made $80,000. You would take $80,000 \u2013 $32,940 = $47,060.\u00a0 This result ($47,060) is the figure used by the government, i.e. it is your discretionary income for student loan purposes.<\/p>\n

    Now take 10% of that (if you are on Old IBR then it\u2019s 15%), divide by 12 and that is your monthly payment. For example, $47,060 *.10 = $4,706\/12 = $392.17 per month.<\/a><\/p>\n

    What If I Was A Student Last Year<\/h2>\n

    If you were a student last year and did not file taxes, then your required payment for the 1st<\/sup> year could be $0.<\/p>\n

    If you choose to use your pay stub to verify your income instead of tax returns, then the required monthly payment will be based on the pay stub you submitted.\u00a0 The required payment is calculated in a similar manner as mentioned in the previous section.<\/p>\n

    Conclusion<\/h2>\n

    If you made it through this article, congrats.\u00a0 The math can be mind numbing which is why 88% of borrowers don’t know how these plans work<\/a>. If you want to save time and a lot of money, sign-up for our IDR Tax Tracking Solution<\/a> today. We\u2019ll do all the heavy lifting for you so you can sleep better at night.<\/p>\n

    By Joseph Reinke, <\/em>CFA<\/a>, <\/em>Founder of <\/em>FitBUX<\/a><\/em><\/p>\n

    \"IDR<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

    When it comes to personal finance, discretionary income is the amount of money we have left over after we pay for our expenses.\u00a0 However, discretionary income for student loans means something different. When it comes to student loan forgiveness plans (a.k.a. income-driven repayment plans), the Federal government uses a calculation to make sure your monthly […]<\/p>\n","protected":false},"author":1,"featured_media":12500,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[185],"tags":[160,48,706,50,111,145],"class_list":["post-11670","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-student-loan-forgiveness","tag-fitbux-student-loan-help","tag-ibr","tag-income-driven-repayment","tag-paye","tag-repaye","tag-student-loan-forgiveness","post-wrapper","thrv_wrapper"],"yoast_head":"\nDiscretionary Income and Student Loans - FitBUX Articles<\/title>\n<meta name=\"description\" content=\"Discretionary income is important if you are on IBR, PAYE, or REPAYE. 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