IRS vs Student Loans

IRS Tax Relief vs. Student Financial Aid: Why Can’t Student Loans Work Like Tax Debt?

What is IRS Tax Relief?

IRS tax relief includes programs that help people manage or reduce what they owe to the IRS. Common options include:

Offer in Compromise (OIC): Settle your tax debt for less than the full amount.
Installment Agreements: Make monthly payments over time.
Currently Not Collectible (CNC): Stop collections temporarily if you can’t afford to pay.

The IRS reviews your income, expenses, and assets to decide what you can reasonably pay.

What is a Pell Grant?

A Pell Grant is federal aid for low-income college students. It’s awarded based on financial need and:

Does not have to be repaid.
Is not a loan.
Helps students pay for college, but doesn’t reduce student loan debt already owed.

Key Differences

Feature	IRS Tax Relief	Pell Grants
Purpose	To resolve tax debt	To help pay for college
Repayment	Reduced or forgiven	No repayment needed
Based On	Financial hardship	Financial need
Who’s Eligible	Any taxpayer in hardship	Undergraduate students only
Administered by	Internal Revenue Service (IRS)	U.S. Department of Education

Why Can’t Student Loan Forgiveness Work Like IRS Relief?

People in tax debt can often settle for less if they’re struggling financially.
Student loan borrowers in the same situation don’t have that option—they’re often stuck with debt for life.
It’s time to create a new path for student loan forgiveness, based on the successful model the IRS uses for tax relief.

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