<prompt> Human: Solved! Thanks for the help everyone - ITS ALWAYS BETTER TO MAKE MORE MONEY!Hi rpersonalfinance,I need both advice and help understanding my options on negotiating a salary that will be around a tax bracket cut off. The company Ive been interning at is getting ready to offer me a full time position, however this will be my first salaried position and Im trying to wrap my head around available options before they make an offer.Im expecting an offer on the low end of the 37-43k range. While I was originally hoping for around 40k, Im wondering if taking a low offer might be better for me if it keeps me in a lower tax bracket?The other factor for me to consider is that I am currently getting my masters degree. Im planning to cut back to part time just finished my first, full time semester, which means I will be taking 6 courses in the next year, including summer. Im trying to read up on education credits and how any deductionscredits I would receive for those would factor into my earnings, but Im way too uninformed to understand it all in only a day or two. If its relevant, each course at my university is roughly 5800, which means regardless I will still be taking out loans for the bulk of my education. tl;dr: should I take a low offer 37,5k if it keeps me in the 15 income tax bracket or push for a higher salary 40k and pay 25? What are the pros and cons of either choice? Additionally, will any education credits I might receive factor into this decision or will it make no difference to my overall earning?Thanks in advance!  <response>: Thats not how tax brackets work; see the AMs link understanding tax brackets.Youll almost never take home less money by making more; the exceptions are rare and because of some poorly-phased out credits and deductions. 