I will ask them if they had 10K of their student debt forgiven, if they say yes I will say, great, NO TIP for you.
10K of their student debt forgiven
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Imagine the surprise when they find out they will owe tax on the amount forgiven at the point of a gun of one of those new 87000 irs agents with shoot to kill authority ?
Oooops.
They would have been better of paying the monthly payment, cuz the irs is gonna want their full amount all at once.