For those with student loans, Maryland offers a tax credit program that will effectively gift you money to pay down your student loans. It's closed for the 2022 tax year but opens each year. The income limits are pretty high and I highly recommend applying for it when it opens. https://onestop.md.gov/forms/student-loan-debt-relief-tax-credit-for-tax-year-2022-62602b582b154802404ae726