<prompt> Human: I am a single guy in the Bay Area. I get paid on a ten month schedule. Before the tax change? I was claiming 1 and making about 4400 a month. After the change I was somehow automatically claiming 2 and making 5300 a month. My question is, would it be worth it to take the additional 900 now to pay off my loan quicker? What are the arguments for and against doing so? Should I go back to claiming 1 or 0?My loan is about 14k Privateand I want to pay it off quickly as I am planning on moving abroad soon. I will still have a 50k Fed loan that I am planning on paying over time. But my goal is to get the 14k out of my hair. Thanks!  <response>: In a perfect scenario, you would want to owe get back 0 at the end of the year. If you are getting a 6000 income tax refund in April 2019, its better to deploy 500month in 2018 to reduce debt invest etc.If its your plan to borrow from peter IRS to pay Paul Student Loan, this is a bad idea. 