Student loan PAYE - retirement accounts and AGI

[ebass5str]

I've seen conflicting information online and want to ask
10% of discretionary income for federal student loan payments (I'm on PAYE and will be eligible for PSLF) is calculated using adjusted gross income, correct?

Will contributing to the following non-roth accounts have the secondary benefit of decreasing my AGI and thus my discretionary income:
401(a)?
403(b)?
457?
Traditional IRA?
HSA?
529?

This will help me with my planning as I project my future payments until forgiveness.
Thanks!

[jfoxcpacfp]

Welcome to the forum! Hopefully, Andrew will step in and comment. I’ll reach out to him, also.

[Andrew StudentLoanAdvice]

Anasabdullah is spot on.

There's only one slight adjustment I'd like to mention. If you (and your spouse, if applicable) aren't covered by an employer retirement plan, your traditional IRA contributions are fully tax-deductible. If you are covered by a retirement plan by your employer, then you likely won't be able to deduct your contributions to an IRA. Here's the IRS details on what is deductible and what isn't based on your household income and tax filing status https://www.irs.gov/retirement-plans...t-plan-at-work