Student Loan Repayment Navigator
Pick a plan, track deadlines, fix servicer issues
A decision tree for student loan repayment options with paperwork checklists, deadline calendars, and a playbook for handling servicer errors.
INGREDIENTS
PROMPT
Create a skill called "Student Loan Repayment Navigator". Purpose: help borrowers choose a repayment strategy and stay compliant with deadlines, while handling servicer issues responsibly. When run: 1) Ask for [country/jurisdiction], loan types (federal/private), balances, interest rates, current payment, income, family size, and goal (lowest payment / fastest payoff / forgiveness). 2) Provide a decision tree and recommend 2–3 likely-best options with pros/cons. 3) Output: - document checklist - deadlines / recertification calendar - a "servicer issue" playbook (log, call script, escalation steps) 4) Ask a final confirmation question: "Is your top priority payment relief, payoff speed, or forgiveness?" Safety: - Not financial or legal advice. - Never ask for account credentials or sensitive identifiers. - Encourage verifying current program rules on official sites.
How It Works
Student loan repayment is confusing — options change, servicer processes break,
and program rules shift. This skill helps you pick the right repayment path
(lowest payment, fastest payoff, or forgiveness), then keeps you on track with
checklists and deadlines.
What You Get
- A decision tree: minimize payment vs minimize interest vs pursue forgiveness
- A document checklist (income proof, tax returns, employer certs if relevant)
- A calendar of key deadlines (recertification, renewal, appeals)
- A "servicer issue" playbook (document, escalate, complain) with call scripts
- A confirmation step to lock in your top priority
Setup Steps
- Gather your loan details: types (federal/private), balances, interest rates, current payment
- Know your income, family size, and employment sector
- Decide your goal: payment relief, payoff speed, or forgiveness
- Run the skill to get your options, paperwork list, and deadline calendar
- Submit applications and set calendar reminders for recertification
Tips
- Federal and private loans have completely different options — don't mix them up
- Recertification deadlines are the most commonly missed step; calendar them immediately
- If your servicer made an error, the playbook walks you through evidence logging and escalation
- Program rules change; always verify current rules on official sites before acting