Taking out a fed subsidize loan vs paying out of pocket

Taking out a fed subsidize loan vs paying out of pocket Our youngest son lost his Excelsior scholarship ($7K SUNY tuition) due to our household income going beyond 125K for the tax year 2022. We did not anticipate this loss so things will be a little tight this coming school year. To help us temporarily this SY I do want for him to take out the Fed Sub loan of 4500 but my spouse opposes. He prefers t...

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