They Said Student Loan Forgiveness Is Always Tax-Free — Not Anymore in 2026
Forgiveness isn’t always federally tax-free now – the 2021 exclusion expired after Dec. 31, 2025, but PSLF, teacher and disability discharges stay excluded.
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Student Loan Forgiveness Is Taxable Again in 2026 — What Changed and How to Avoid the Bill
Student loan forgiveness is taxable again in 2026 — but a rule most borrowers have never heard of can erase the bill entirely.
The 1099-C Tax Bomb From Debt Settlement — And How Most People Can Legally Avoid It
Before you sign a debt settlement agreement, ask about the 1099-C. Most clients owe zero tax — but only if they know to file Form 982. Here’s what settlement companies don’t explain.
Got a Form 1099-C? Here’s What It Means — and Why You Might Not Owe a Dime
Form 1099-C reports canceled debt as potential taxable income — but five IRS exclusions can wipe out that liability entirely. The form is also wrong more often than people realize. Here’s what to do when it arrives.
