Why Lowering AGI Is More Important Than Ever

If the GOP reform bill moves forward, lowering your adjusted gross income (AGI) won’t just be helpful, it’ll be more important than ever for student loan borrowers. We explore what could change, who’s most at risk, and what steps you can take to protect your paycheck. From maxing out pre-tax retirement contributions and HSAs to leveraging self-employment and smarter tax planning, we’ll walk you through practical ways to lower your AGI — and why it might be the biggest factor in your student loan repayment.

Key moments:
00:00 Introduction
04:18 Business owners may gain an edge with deductions if the GOP bill becomes law
07:53 Many haven’t felt the full weight of student loan payments in a while — that may soon change
13:55 If this bill passes, 1099 or self-employed work might offer major financial advantages
16:05 Expect to lose 50–60% of your income to loans and taxes unless you lower your AGI