Navigating Debt and SaaS Success
David holds $180,000 in student loan debt from his computer science degree. His company, valued at a multiple of its $2M ARR, is on the cusp of significant growth or an acquisition. He's torn between aggressively paying down the debt versus pursuing Public Service Loan Forgiveness (PSLF) or Income-Driven Repayment (IDR) forgiveness plans, especially given his unpredictable income from stock options and a potential liquidity event.
Using Golden Door Asset's Student Loan Forgiveness Calculator, we projected David's potential forgiveness amount under various IDR plans and PSLF, factoring in his current income, potential income growth, and future RSU vesting. The analysis revealed that pursuing PSLF or IDR forgiveness could save him over $75,000, compared to an accelerated payoff strategy, even after accounting for the taxes on the forgiven amount. We also used the Student Loan Calculator and Refinance Calculator to explore if refinancing made sense.
We integrated the Student Loan Forgiveness Calculator, Student Loan Calculator and Refinance Calculator with David's financial data to provide a comprehensive analysis of his repayment options and potential tax implications, modeling different income scenarios and RSU vesting schedules.
$75,000 potential savings through strategic student loan forgiveness, versus accelerated payoff. Optimized RSU tax strategy for an additional $20,000 savings.
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