Where do the numbers come from?

Federal data: IRS-based earnings for your exact program, published prices, and the current federal loan rules.

Is this financial advice?

No — it's educational information. We show the math in the open so you and the people you trust can decide.

What does "unlikely to ever be paid off" mean?

At what those graduates typically earn, payments likely never outrun interest — 30 years of paying, then a write-off and a tax bill.

Can you predict MY future?

No. We show what typically happened to graduates of the program you're considering — a data based rate that contains errors and assumptions, which we disclose, not a personal prediction.

Why can't I find my program?

Small programs are suppressed in federal data to protect student privacy — tell us what the school calls it and we'll try to match it.

Isn't this just selection bias?

Partly — the data shows what graduates earn, not what the school caused, and we label that instead of hiding it.

Who pays for this?

It's free to use — no ads, no accounts, and your data is never sold. We take no money from schools or lenders.

Is the tool finished?

It's a labeled prototype — the math is real and checkable today, and it's improving in the open.