Terms of Service
What This Is
Student Loans Central is a free educational platform for tracking student loans and planning for college costs. By using it you agree to these terms.
Not Financial Advice
Everything on this platform — including AI reports, program descriptions, rate information, and calculations — is educational and informational only. It is not financial, legal, or tax advice. We are not a lender, servicer, or registered financial advisor.
Consult a qualified professional before making any loan decisions.
Federal Loan Refinancing Warning
Refinancing federal student loans is permanent and irreversible. You will permanently lose access to income-driven repayment plans, Public Service Loan Forgiveness, and federal forbearance protections. We display mandatory warnings before any refinancing content. We are not liable for consequences of your refinancing decisions.
Plaid
By connecting accounts via Plaid you authorize read-only access to your loan data. You can revoke this at any time in Settings.
College Planner
Cost, salary, and scholarship information is sourced from public data and provided for planning purposes only. Always verify details directly with schools and scholarship organizations.
Your Account
You are responsible for your account security. You may not use the platform for unlawful purposes or attempt to access other users' data.
Account Deletion
Delete your account anytime in Settings. Deletion is permanent and removes all your data.
Limitation of Liability
The platform is provided as-is. We are not liable for financial losses from decisions made using this platform. Our total liability to any user is $0 since the platform is free.
Changes
We will notify you of material changes by email 14 days in advance.
Governing Law
Laws of New Jersey.
Contact
Joshua Berger — West Orange, New Jersey