EP: 2371•9 Mar 2026

Can You Use a Student Loan to Pay Off Your Mortgage⎟Ep. 2371

About this episode

Can you use a student loan to pay down your investment property?

In this episode, Ed and Andrew unpack a clever question from a listener who wondered whether she could borrow at 0% and use it to reduce mortgage debt.

You’ll learn:

-Whether it’s actually legal to use student loan living costs to pay down a mortgage

-How this strategy works at different income levels

-Which parts of a student loan you can – and can’t – redirect toward investment debt

And the real question isn’t “Is it allowed?” ... it’s whether it meaningfully moves the needle for your long-term wealth plan.

Looking to calculate and compare your mortgage repayment options? Use our mortgage calculator to find out your potential monthly payments.

Ok, now for the legal bit:

The Property Academy Podcast is for your general information. It’s not financial advice.

So the hosts aren’t telling you what to do with your own money. We’ve made every effort to make sure the information is accurate. But we occasionally get the odd fact wrong.

Make sure you do your own research or talk to a financial adviser before making any investment decisions.

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You’re Probably Wasting Thousands on This⎟Ep. 2420

Can You Use a Student Loan to Pay Off Your Mortgage⎟Ep. 2371

About this episode

This Could Stop You Buying Your First Home⎟Ep. 2423

This Is the Retirement Reality No One Wants to Talk About⎟Ep. 2422

NZ’s Population Is Shifting Fast (Most People Haven’t Noticed)⎟Ep. 2421

You’re Probably Wasting Thousands on This⎟Ep. 2420