<prompt> Human: Would it be wise to claim tax exempt at this point in the year, after claiming 0 for all of it. Use the extra income to pay down student debt at 7, and then pay back the government if I owe at lower interest next year?  <response>: you arent exempt, so no, you should not claim exempt. what you can do is adjust your withholdings so youre having the appropriate amount taken out. 