@Lauren.helming, They have actually gotten better about using more of an AGI-like number on paystubs. I paid on my gross wages a few years ago when I submitted a paystub, but last year, they gave me credit for payroll pre-tax deductions (401(k), FSA) when determining my monthly payment. I was really confused when my payment was so low, that I even called to confirm it. Who knows if that's the norm or I just got lucky, but it may be better than it was before with this.
