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Closing the Gap: How Student Loan Matches Could Boost Retirement Savings by Billions

New research from the Employee Benefit Research Institute (EBRI) highlights a significant disparity in 401(k) balances for those with student loan debt, particularly among individuals in their 40s. The findings suggest that employer-sponsored student loan retirement matching programs could inject billions into retirement accounts annually, offering a crucial pathway to financial security for many.

By Dr. Matthew Lynch · September 17, 2026 · 5 min read

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