Educational use only

StudentLoanCompass is an educational planning tool. It is not financial, legal, tax, accounting, credit, or loan-servicing advice. Use of the site does not create an advisor-client, attorney-client, fiduciary, or servicing relationship.

No guarantee of repayment outcomes

Calculator outputs are estimates based on the information you enter, current federal rules as understood at the time of modeling, and simplifying assumptions built into the site. Real repayment outcomes can differ because of servicing treatment, income recertification timing, family-size changes, capitalization events, consolidation history, forgiveness-credit rules, tax treatment, policy changes, and data-entry errors.

Verify important decisions with official sources

Before relying on a repayment strategy, confirm plan eligibility, monthly payment treatment, forgiveness status, and payment-count credit with StudentAid.gov, your servicer, and qualified professional advisors when needed.

Use of the site

You may use the site for personal informational purposes. You agree not to misuse the site, interfere with its operation, scrape it abusively, or attempt to use it to distribute malware or harmful code.

Advertising and funding disclosure

StudentLoanCompass may display advertising to help support the operation of the site. Ads are intended to be presented separately from the calculator’s educational estimates and recommendation language.

No warranties

The site is provided on an "as is" and "as available" basis without warranties of completeness, accuracy, reliability, merchantability, fitness for a particular purpose, or non-infringement.

Limitation of liability

To the fullest extent permitted by law, StudentLoanCompass will not be liable for decisions, losses, taxes, missed forgiveness opportunities, servicing outcomes, or other damages arising from use of the site or reliance on its estimates.