Terms of use

Guidance to help you ask better questions.

RepayPilot provides general educational information and deterministic calculations where the underlying rule has been verified.

Not professional or account-specific advice

RepayPilot is not a loan servicer, lender, government agency, law firm, or financial adviser. The tools cannot see your federal loan account. They do not decide eligibility, guarantee savings or forgiveness, or replace instructions from Federal Student Aid or your servicer.

Verify important decisions

Federal policy and loan-specific circumstances can change. Check current official information and your account before acting, especially when a notice gives you an individual deadline. A calculated date is an estimate of a general rule, not an extension of your actual deadline.

Service status

Unverified payment, eligibility, PSLF, forgiveness, paid report, email, and subscription features are not offered as functional services in this version. Page content and tools may change as verified rules are added.