The Hot New Solution to Student Loans Is Just Taking Money Out of Your Paycheck

If you have student loans in 2019, you also have a somewhat distressingly large number of different ways to pay them back. Besides the standard repayment plan, in which the government calculates a monthly bill based on what you owe, there’s a graduated plan for people who want to pay more later, which is somehow different from what the system calls paying-as-you-earn and income-contingent repayment. In other words, deciding to take on debt for what hopefully will be a worthwhile degree is just the first in a series of complicated decisions that may dictate what much of your adult financial life looks like.