I’m a bit confused by what you’re asking but maybe I can help a tiny bit. You’ll only get income taxed for the amount you go over. This affects your paychecks directly. You can manage how much you have left on your ASU account. Whatever student loans you get or have would be separate from the program since technically Starbucks is handling the financial side of your courses (except books and class fees). You wouldn’t need any loans. If you do get loans just in case you get 0 paychecks, that’s up to you. Not sure how the loan forgiveness works, but if you get taxed for that, then that’s a separate thing. If that makes sense.