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  • Calculators and Tools from Student Financial Services

    • LIPP Benefit Calculator: This calculator can illustrate how LIPP can help you repay your loans over the short term (1 year) and the long term (10 years).
    • Take Home Pay Estimator: This tool will show you how much you’ll have left after taxes and loan repayment when you graduate and start working, and will estimate how your total loan repayment compares to your total income in the 10 years after you graduate.
  • Useful Tools from Around the Web

    • Loan Repayment Estimator: The federal student aid website allows you to load all your federal student loans and estimate future monthly payments on them.
    • Loan Payment Calculator: can help you estimate the monthly payment on one or more of your loans (including private loans), and it will also show you how much you’ll pay off over time.
    • Cost of Interest Capitalization: Shows how much capitalized interest will add to the outstanding balance and monthly payment of a given loan.
    • MAX by AccessLex: MAX is your personal financial fitness tool. Log in today for customized content and planning tools created expressly for law students.
    • Smart About Money: Look through this site for a number of useful worksheets and free courses related not just to finance but also to your personal well-being.
    • Greenpath: Greenpath is a free program available to all students through the Harvard University Employee Credit Union. In addition to online resources, the program also offers a free info line Monday-Saturday for budgeting and debt counseling.
    • U.S. Department of the Treasury Financial Literacy Resource Directory: The searchable directory links to a huge variety of organizations, agencies, and learning materials that can help you get a better grasp on finance – from your personal budget all the way up to the national economy.
    • The Motley Fool: What is the value of higher education? You can find that (under the “college” link) and many other personal budgeting calculators on this site.
  • Tax Resources

    Student Financial Services is unable to provide tax advice as we are not tax experts, but here are helpful websites and information to assist you with your tax questions.

    Tax Withholding for Summer Employment

    Because withholding is typically based on the tax rate for an annualized projection of each pay period, many summer employers withhold too much federal tax from a part-year salary. You can ask to have less tax withheld by your employer if you will be working for only part of the year, such as the summer.  IRS Publication 505 describes the procedure for adjusting withholding for part-year employees. It’s up to you to request this in writing from your employer, and it’s up to the employer to do the alternate calculation and charge the correct withholding.

    Where to get your tax forms

    • 1098-T (Tuition payments form the Lifetime Learning Credit)
      Contact the Student Accounts Office – (617) 495-2739
    • 1098-E (Interest payments for deduction)
      Contact the lender of the loan
      Federal Loans – contact your servicer (should be sent automatically)
      Harvard Loans – Log in to Heartland and navigate to “Tax Documents”
    • 1099 (Taxable Scholarships)
      Contact the Harvard University Tax office – (617) 495-8500
    • Summer Public Interest Funding Documentation
      Federal Work Study – (617) 495-8500 (Receive a W-2 from the Harvard Office of the Controller)
      Grant – (617) 495-0643 or (U.S. Citizens will receive no documentation; if needed Contact SPIF Office. International students may have their income reported and receive a 1099.)