Question 1

Does this replace a loan servicer quote?

Accepted Answer

No. Use it for planning; servicers provide official payment schedules.

Question 2

What is PSLF?

Accepted Answer

Public Service Loan Forgiveness can erase remaining federal loans after 120 qualifying payments at eligible employers.

Question 3

Which repayment plan is best?

Accepted Answer

It depends on income, loan size, and career plans. Compare monthly payment and total cost.

Question 4

Should I refinance?

Accepted Answer

Refinancing can lower rates but removes federal protections like PSLF and income-driven plans.

Question 5

What if my loans are a mix of undergrad and grad?

Accepted Answer

Use a blended interest rate and the total balance to get a reasonable estimate.

Question 6

What if my payment is $0 under SAVE?

Accepted Answer

The estimate will show low or zero payments, but interest may still accrue depending on your plan and rules.