Terms of Use

Acceptance of Terms

By accessing and using LoanPayoffHub (the "Site"), you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use this Site. We reserve the right to update these terms at any time, and continued use of the Site after changes are posted constitutes your acceptance of the updated terms.

Use of Calculators

The calculators on this Site are provided for informational and educational purposes only. All results produced by the calculators are estimates based on the inputs you provide and standard financial formulas. They are not guarantees, projections, or promises of any financial outcome.

Calculator results:

• Are not financial, legal, tax, or investment advice
• Should not be relied upon as the sole basis for any financial decision
• May differ from figures provided by your actual loan servicer, lender, or the Department of Education
• Do not account for all variables that affect your specific loan situation
• Are based on inputs you provide — accuracy depends on the accuracy of those inputs

You should always verify results with your loan servicer, a qualified financial advisor, or official government resources such as studentaid.gov before making any financial decisions regarding your student loans.

No Warranties

This Site is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. LoanPayoffHub does not warrant that the Site will be uninterrupted, error-free, or free of harmful components. We do not warrant the accuracy, completeness, or fitness for a particular purpose of any calculator result, content, or information on this Site.

We make reasonable efforts to keep the formulas and reference data up to date (including Federal Poverty Line figures, federal interest rates, and repayment plan rules), but we cannot guarantee that all information reflects the most current regulatory or legislative changes. Federal student loan policy changes frequently — always check studentaid.gov for the latest official information.

Limitation of Liability

To the fullest extent permitted by applicable law, LoanPayoffHub and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use this Site or its calculators, even if we have been advised of the possibility of such damages.

This includes, without limitation, any financial loss, missed opportunity, or incorrect repayment decision made in reliance on calculator estimates produced by this Site.

Affiliate Disclosure

This Site contains affiliate links to third-party lenders and financial services including, but not limited to, SoFi, Credible, Earnest, Splash Financial, and LendKey. When you click on an affiliate link and complete a qualifying action (such as submitting a loan application), we may receive a commission. This commission comes at no additional cost to you.

Our affiliate relationships do not influence the calculations, results, or rankings produced by any calculator on this Site. Calculator outputs are determined solely by the mathematical formulas applied to the inputs you provide. We do not favour or recommend any lender based on commission rates.

Affiliate links are clearly labelled as "Sponsored" in the calculator interface.

Intellectual Property

All content on this Site, including but not limited to text, calculator logic, code, design, layout, and branding, is owned by or licensed to LoanPayoffHub and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any content without our prior written permission.

You are welcome to share links to this Site and embed individual calculators using the provided embed code.

Third-Party Links and Services

This Site may contain links to third-party websites, including lender sites, government resources, and financial tools. These links are provided for convenience only. We do not endorse, control, or assume responsibility for the content, privacy practices, or accuracy of any third-party site. Visiting a third-party site is at your own risk.

Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles. Any disputes arising from use of this Site shall be resolved in a court of competent jurisdiction.

Changes to Terms

We reserve the right to modify these Terms of Use at any time. Updated terms will be posted on this page with a revised "Last updated" date. Your continued use of the Site following any changes constitutes acceptance of the new terms. If you do not agree to the revised terms, please stop using the Site.

Contact

If you have questions about these Terms of Use, please contact us at hello@YOUR-DOMAIN.com.