Terms of Service — last updated: October 2026

Last updated: October 2026

These terms govern your use of edurepay.com (the "Site"). By using the Site you accept them. If you do not, please do not use the Site.

EduRepay is a student loan repayment calculator that compares monthly payments under the Standard, SAVE, PAYE, IBR and refinancing options and estimates forgiveness and interest saved. It applies each plan's own formula — income-driven plans scale the payment to discretionary income while Standard and refinancing use a fixed amortisation schedule — then accumulates interest and forgiveness over the repayment term. Everything below concerns that specific calculation and the values it involves, and nothing beyond it.

Everything the tool works with — your loan balance, income, family size and interest rate — is handled locally. It is usually reached for things like checking whether a lower monthly payment costs more overall, and because nothing is transmitted a visitor can close the tab knowing no copy was made anywhere.

About this Site and its tools

What edurepay.com offers is a student loan repayment calculator, free of charge and for general information. Results are estimates generated from your input by the method the page describes. Money results rest on assumptions about rates, contributions and taxes that will not hold precisely, and are illustrations rather than advice.

No professional relationship

Using this Site does not establish a professional relationship with us, and no result should be treated as professional advice. The judgement about how to use it is yours.

Service availability

The Site is provided "as is". We may change, suspend or remove any tool or page at any time and do not guarantee uninterrupted availability.

Liability

As far as legally permitted, our liability is excluded for indirect or consequential damages and for any decision taken on the strength of a result produced here.

The law that governs these terms

These terms are governed by the laws applicable to the operator of the Site, without regard to conflict-of-law rules.

Money-related limitations

The projections rest on assumptions — steady rates, unchanged contributions, and the ignoring of fees and inflation — that will not hold exactly. They are illustrations rather than advice and should not be the sole basis for a decision.

How accurate the results are

Correctness is a goal, not a warranty: results may contain errors and the content may lag changes in the field. Where the underlying method has a margin of error, read the output accordingly.

How you may use the Site

You may use the Site for personal and professional purposes. You may not attempt to disrupt it, scrape it at a rate that degrades service for others, present it as your own, or use it for anything unlawful.

Copyright and ownership

Unless credited otherwise, the Site's design, writing and code are ours or used under license. Linking to any page is welcome; copying large portions of the content needs our written consent.

Advertising and third-party links

Third-party adverts keep the Site free and external links appear for convenience. We vouch for neither, and neither can change an output.

Contact

Questions about these terms can be sent through the contact page.