So first off, F*** SCOTA. Second, there is an income driven repayment program for student loans that can give you a payment as low as $0 a month. Sorry, I don’t know the exact details as it’s been a while, but after a certain amount of time, the loans are paid no matter the balance left. Feel free to correct me if you know the details. Now here is where you get creative. The key here is to get your AGI (adjusted gross income) on your taxes down to where you’re not qualified to make a payment. How do you do that without really making less you ask? Well let me tell you: An easy way to do this is to sign up for any type of gig work where you use your own car. Think Uber/Lyft/Door Dash. Anything you can just turn on the app. If you don’t have…
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