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While this has been good news for many, there are still more details and next steps for borrowers to consider, including contacting your loan servicer to receive a refund for any pandemic-era payments and actually applying for federal student loan forgiveness. After some confusion regarding whether or not states would count the money saved by student loan forgiveness as taxable income, student loan borrowers in a few more states can also relish in the fact that they'll no longer have this hanging over their heads. With the exception of three states — Mississippi, North Carolina and Indiana — that have decided to levy state taxes on federal student loan forgiveness, and several others that have yet to announce their final decision, in most states, additional state taxes will not be required for those whose federal student loans have been forgiven. Below, Select breaks down how the states in question are handling state taxes and federal student loan forgiveness, and a few things you can do to reduce your taxable income before the year's end. Our best selections in your inbox. Shopping recommendations that help upgrade your life, delivered weekly. Sign-up here. Typically, when you have debt discharged, the IRS treats it as taxable income. Since you didn't pay the debt you owed but kept the money that would normally have been sent to a debtor, it is seen as income, which makes it taxable. With student loan forgiveness, taxes work differently. In March , President Joe Biden signed the American Rescue Plan into law, which included a clause regarding student loan forgiveness saying that any federal student loans that were discharged between and would not be considered taxable income — in terms of federal taxes. That said, as Eric Bronnenkant , certified financial planner, certified public accountant and head of tax at Betterment , tells Select, residents of several states may still be on the hook for state taxes if their state determines the money saved from student loan forgiveness to be taxable income. It all comes down to the concept of conformity — whether or not a state chooses to conform to federal tax regulations or go its own way thanks to statutes that are already in place — and whether or not non-conforming states have time to update those statutes to conform with the new legislation. According to Bronnenkant, these states can adjust this for their respective residents through "legislative changes or administrative decisions by state tax authorities.
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