Terms of Use
Effective date: April 2026
Version: 2026.4
These terms cover your use of the MyStudent.Loans website. If you use our iOS app, a separate Terms of Use & License Agreement applies — you'll see it in the app and you can review it before downloading. Both documents share the same educational-purpose and no-financial-advice foundation.
Welcome to MyStudent.Loans. Please read these terms carefully before using our website. By browsing or otherwise using MyStudent.Loans, you agree to be bound by these terms.
1. Educational Purpose Only
MyStudent.Loans is an educational tool designed to help you research schools and model potential student loan structures. We are not a lender, loan originator, or financial institution, and we do not originate, process, or service student loans. Any borrowing decisions and loan agreements are strictly between you, your chosen lender, and their loan originator(s).
2. No Fiduciary, Financial, or Tax Advice
We do not act as your fiduciary, financial advisor, legal counsel, or tax advisor. The information and tools we provide are for general educational purposes only and should not be considered personalized financial, legal, or tax advice. MyStudent.Loans does not offer guidance on student loan interest deductions, education tax credits, or any other tax-related matters. We strongly encourage you to consult with qualified financial advisors, legal professionals, tax advisors, or student loan counselors before making any financial decisions.
3. No Guarantee of Loan Approval or Terms
Using MyStudent.Loans does not guarantee approval for any student loan, nor does it guarantee any specific interest rates, loan amounts, repayment terms, or other loan conditions. All loan decisions are made solely by lenders based on their own criteria and underwriting standards.
4. Accuracy, Verification, and Future Changes
While we strive to make MyStudent.Loans accurate and reliable, the financial landscape is complex and constantly changing. Interest rates, loan terms, repayment options, school costs, and individual financial circumstances vary widely. Our models and calculations cannot account for every possible scenario or future change. You are solely responsible for independently verifying all information with official sources, including schools, lenders, and government agencies, before making any decisions or commitments. Many factors affecting student loans are beyond our control, including changes in federal or state regulations, lender policies, economic conditions, interest rate fluctuations, tuition rates, scholarship availability, and your personal financial situation. MyStudent.Loans cannot be held responsible for outcomes resulting from such changes. Never rely solely on MyStudent.Loans for critical financial decisions.
5. Third-Party Data and Sources
School data displayed on MyStudent.Loans is sourced from the U.S. Department of Education College Scorecard. Interest rate data is compiled from publicly available lender disclosures. While we strive to provide current and accurate information, we do not guarantee the accuracy, completeness, timeliness, or reliability of any information obtained from third-party sources. Data may become outdated between updates. The mention, display, or inclusion of any specific school, lender, loan program, or financial product on MyStudent.Loans does not constitute an endorsement, recommendation, or guarantee of quality. We do not favor any particular institution or lender, and you should conduct your own independent research and due diligence. The website may link to third-party websites, including school net price calculators; those sites are not operated by MyStudent.Loans and are governed by their own terms and privacy policies.
6. Limitation of Liability
To the fullest extent permitted by law, MyStudent.Loans, its owners, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages, including but not limited to financial losses, missed opportunities, loan denials, unfavorable loan terms, or any other damages arising from your use of or inability to use this website, even if we have been advised of the possibility of such damages. Your use of MyStudent.Loans is at your own risk.
7. Indemnification
You agree to indemnify, defend, and hold harmless MyStudent.Loans, its owners, employees, and affiliates from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the website, your violation of these terms, or your reliance on calculations or information provided by MyStudent.Loans for financial decisions.
8. Intellectual Property
All content, calculators, algorithms, tools, designs, graphics, and other materials provided through MyStudent.Loans are the proprietary property of MyStudent.Loans and are protected by intellectual property laws. You may not copy, reproduce, distribute, modify, or create derivative works from our proprietary content without express written permission.
9. Personal, Non-Commercial Use
You may browse and use the MyStudent.Loans website for your personal, non-commercial research and education. You may not scrape, bulk-download, or redistribute our content, or use automated systems to access the site in ways that interfere with its normal operation.
10. Age Requirement
MyStudent.Loans is intended for users who are at least 13 years of age. If you are under 18 years of age, you must have parental or guardian consent to use this website. Parents and guardians who permit minors to use MyStudent.Loans are responsible for supervising their use and agree to be bound by these terms on behalf of the minor. Please note that federal student loan borrowers must generally be at least 18 years of age or an emancipated minor. MyStudent.Loans is a planning and research tool and does not originate loans.
11. Privacy
Your use of MyStudent.Loans is also governed by our Privacy Policy. Please review it for details on what information the website collects, how it's used, and your choices.
12. Term, Termination, and Changes to Terms
We reserve the right to restrict or terminate your access to MyStudent.Loans at any time for any reason, including violation of these terms. Provisions regarding limitation of liability, intellectual property, and indemnification shall survive termination. We also reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on the website. Your continued use of MyStudent.Loans after any changes constitutes acceptance of the modified terms. We encourage you to review these terms periodically.
13. Governing Law and General Terms
These terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under these terms shall be resolved in the state or federal courts located in the State of Florida. If any provision of these terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect. These terms, together with our Privacy Policy, constitute the entire agreement between you and MyStudent.Loans regarding your use of the website and supersede any prior agreements or understandings.
Acknowledgment
By using MyStudent.Loans, you acknowledge that you have read, understood, and agree to be bound by all of the terms and conditions stated above. If you do not agree with any part of these terms, please do not use the website.
Questions about these terms? Email us at Hello@MyStudent.Loans.