What is Discretionary Income for Student Loans?
January 20, 2026 – In a Credible article about how your discretionary income could impact your student loan payment amount if you’re on certain repayment plans, Stacey MacPhetres, senior director of education finance at EdAssist by Bright Horizons, shares insights on the topic.
The amount you get is what the federal government considers “a protected portion of your income,” says Stacey MacPhetres, senior director of education finance at EdAssist by Bright Horizons.