Student Loans

Do Student Loans Count As Income – Anthony ONeal: Will Income-Based Repayment Help with my Student Loans?


Do Student Loans Count As Income – Best Deal Right Now?

Stephen and his new wife have $215,000 of student loan debt and they don’t know what to do next. They are considering Income-Based Repayment (IBR) but aren’t sure if that is the right thing to do.

Financial expert Anthony ONeal joins me to help answer Stephen’s question. We discuss all things student loans including what IBR is, how student loan refinancing fits in and Anthony’s take on student loan forgiveness.

The Table (YouTube):
Anthony ONeal (Website):
Destroy Your Student Loan Debt (Book):
Refinance Student Loans (SoFi): HTTP://


0:00 – Intro to Anthony ONeal
2:21 – Income-Based Repayment (IBR)
3:30 – Debt Snowball
6:26 – Pay Off Debt or Invest?
8:00 – Student Loan Forgiveness
9:58 – Student Loan Refinancing
11:55 – Advisor or Coach?
14:00 – The Table
14:33 – Close

#AnthonyONeal #DaveRamsey #StudentLoans #IBR #PersonalFinance

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Anthony ONeal is a #1 national best-selling author, financial expert and host of the popular online series “The TABLE” on his YouTube channel. He is the author of The Graduate Survival Guide, Debt-Free Degree and Destroy Your Student Loan Debt. Since 2015, Anthony has served at Ramsey Solutions, where he teaches young adults how to budget, live without debt, avoid student loans, and build real wealth for their future. You can connect with Anthony ONeal on Twitter, Instagram, Facebook and YouTube or online at

This award-winning blog, podcast and YouTube channel are dedicated to helping young families build wealth and thrive. Each week, Andy Hill interviews personal finance experts, families who’ve achieved financial independence and debt-free young parents.

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  1. Marriage Kids and Money
    July 24, 2021 at 8:29 am

    Are you thinking of Income-Based Repayment with your student loans? What do you think of Anthony ONeal's advice?