10% exemption before 59 1/2 | Ed Slott and Company, LLC

10% exemption before 59 1/2

Hi. Does the 10% exemption before 59 1/2 from an IRA or 401k for education expenses include student loan payments? Thanks in advance.

The 10% exemption does not apply to loan payments. It is only good for current education paid in the same tax year as the withdrawal. 


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