Terms of Service

1. Acceptance of Terms

By accessing or using StudentLoanCalc.net (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Service.

These Terms apply to all visitors, users, and others who access or use the Service. We reserve the right to update these Terms at any time. Continued use of the Service after any changes constitutes acceptance of the new Terms.

2. Description of Service

StudentLoanCalc.net provides a free online student loan repayment calculator for educational and informational purposes. The Service allows users to:

• Calculate estimated monthly student loan payments
• Estimate total interest paid over the life of a loan
• Compare different repayment plans (USA federal and UK)
• Model the impact of extra payments and refinancing
• View amortization schedules

The Service is provided free of charge and is supported by advertising.

3. Disclaimer of Financial Advice

StudentLoanCalc.net does not provide financial, legal, investment, or tax advice. All calculations and results produced by the Service are estimates based on information you provide and standard mathematical formulas.

Actual loan payments, interest charges, and payoff dates may differ from estimates based on your specific loan terms, servicer policies, and other factors. We strongly recommend:

• Verifying all figures with your loan servicer
• Consulting a qualified financial advisor before making significant financial decisions
• Checking current rates and terms at studentaid.gov (USA) or gov.uk/student-finance (UK)

4. Accuracy of Information

We strive to keep interest rates, thresholds, and repayment plan rules up to date. However, we do not guarantee that all information is current, complete, or accurate. Student loan rules, interest rates, and income thresholds change regularly.

Default interest rates shown (e.g. 6.39% for undergraduate loans in 2025–26) are based on publicly available government figures and are updated annually. We are not responsible for any loss or damage resulting from reliance on information provided by the Service.

5. User Responsibilities

When using the Service, you agree to:

• Provide accurate information when entering loan details
• Use the Service for lawful purposes only
• Not attempt to disrupt, damage, or gain unauthorised access to the Service
• Not scrape, copy, or reproduce content from the Service without permission
• Not use the Service to provide advice to others without appropriate qualifications

6. Intellectual Property

All content on StudentLoanCalc.net, including but not limited to text, calculator logic, design, graphics, and code, is the property of StudentLoanCalc.net and is protected by applicable intellectual property laws.

You may use the Service for personal, non-commercial purposes. You may share a link to the Service. You may not reproduce, distribute, or create derivative works from the Service's content without our express written permission.

7. Third-Party Services

The Service uses third-party services including:

• Google AdSense — for advertising. Google may use cookies to serve ads based on your prior visits to this and other websites.
• Google Analytics / Google Tag Manager — for anonymous usage analytics to help us improve the Service.
• Google Fonts — for typography. Fonts are loaded from Google's servers.

Use of these third-party services is subject to their respective privacy policies and terms of service.

8. Advertising

StudentLoanCalc.net is supported by advertising through Google AdSense. Advertisements displayed on the Service are served by Google and are not endorsements by StudentLoanCalc.net. We do not receive payment from any student loan lender or servicer to promote their products.

If you have concerns about a specific advertisement, you can report it directly to Google.

9. Limitation of Liability

To the fullest extent permitted by law, StudentLoanCalc.net and its operators shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of, or inability to use, the Service.

This includes but is not limited to damages arising from reliance on calculator results, errors or omissions in the Service, or interruption or unavailability of the Service.

10. Governing Law

These Terms shall be governed by and construed in accordance with applicable law. Any disputes arising from these Terms or the use of the Service shall be subject to the exclusive jurisdiction of the appropriate courts.

11. Contact

If you have any questions about these Terms of Service, please contact us:

• Email: contact@studentloancalc.net
• Website: studentloancalc.net