× Tate Esq.

Will the IDR tax bomb hit you?

When student loans are forgiven under an income-driven repayment plan, some states treat the cancelled amount as taxable income — leaving borrowers with an unexpected tax bill. We're collecting stories to document what's at stake in your state. Takes 3 minutes.

Your Loans

Are your loans federal loans on an income-driven repayment (IDR) plan?

Yes No Not sure

When do you expect to reach forgiveness?

How much do you expect to be forgiven?

Your Situation

What U.S. state do you live in?

How do you file your federal taxes?

Single Married Filing Jointly (MFJ) Married Filing Separately (MFS) Head of Household

The Impact

If your loans were forgiven and you faced a large tax bill, what would you likely do? (Select all that apply)

Take out loans to pay the tax bill Use savings or emergency fund Tap retirement accounts (401k, IRA, etc.) Use home equity (HELOC or cash-out refi) Set up an IRS payment plan Delay retirement Cut basic living expenses I don't know yet Other

In your own words — what would a large unexpected tax bill mean for you and your family?

About You (optional)

Name optional

Email optional

Phone optional

Are you open to a follow-up from our team?

Yes, you can contact me No, just submitting my story

Your information is kept confidential and will not be shared publicly without your separate written consent. We collect this data to document the scope of state-level IDR tax exposure for policy and advocacy purposes. By submitting, you agree that we may use your anonymized responses in aggregate reporting.