Understandably, the more debt you have, the more difficult it is to save. If possible, take full advantage of the employer match, which is "free money" that is too valuable to pass up. Federal student loan repayments are often based on your Adjusted Gross Income. You reduce your AGI by contributing to your retirement account Plan. So, saving for retirement, receiving free money, and paying off your loan debt is a win-win-win!
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