Interest Control
Address calculated unpaid interest and the next 31 days of estimated interest.
Interest first. Principal next.
See why your student loan balance is—or isn't—moving.
Measure each loan group's interest pressure, get interest under control, then compare Snowball and Avalanche using the same realistic budget.
No SSNNo servicer loginNo bank credentials
TWO-STAGE METHOD1 2
Principal Attack
Direct the remaining budget to Snowball or Avalanche.
The borrower's starting point
Not another generic payoff calculator.
Model every loan
Add any number of subsidized or unsubsidized loan groups.
Control interest
Measure coverage variance, unpaid shortfall, and the next minimum.
Attack principal
Compare both strategies and get exact loan-group allocations.
Privacy by restraint
Your plan does not need identity credentials.
Never enter an SSN, FSA ID, bank login, servicer password, or full account credentials. Verify every result with your servicer.