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02 / THE MONTHLY BUDGET WORKSHEET
Find your monthly breathing room.
A simple starting point for your next conversation. Use reliable take-home income and realistic expenses.
Before committing to a payment
The remainder is not automatically money you should commit to a program. Leave room for uncertainty and avoid counting an existing payment twice when comparing a replacement plan.
If the number is zero or negative
Protect essentials and explore hardship or counseling first. A shortfall is not a legal eligibility test. If repayment is unrealistic, a qualified attorney can explain legal options.