What happens to the numbers you type?
Nothing leaves your device. The calculator is JavaScript running in your browser: your loan balance, income, family details, and every result computed from them exist only in your browser's memory while the page is open. There is no server-side calculation and no database — the calculator sends none of it anywhere, and the pages themselves are static files. Close the tab and your inputs are gone.
What we don't have
- No accounts — there is nothing to register for, and the calculator never asks for one. Nothing is gated.
- No trackers — no Google Analytics, no ad pixels, no fingerprinting. As this page always promised, the one measurement tool here is a cookieless, anonymous page counter: GoatCounter. It counts which pages get visited, the referring site, browser type, screen size, and country — with no cookies, no identifiers, and no way to connect two visits to the same person. Alongside pageviews it counts a short list of bare ticks — that a comparison was run, that a comparison projected no forgiveness, that a document was produced, that a link or a signup form scrolled into view or was used. Each is a count and nothing else: never your numbers, and never your email address.
- No cookies — which is why there's no cookie banner.
- No saved scenarios — the tool can't remember your inputs between visits, by design.
Email — only if you ask for it
There's a form for rules-change notifications. If you use it we store your address and nothing else — not your income, not your balances, not your results, which never leave your browser in the first place. The form sends one field to us and cannot reach the calculator. We use the address to email you when the repayment rules change. Every rules-change email carries an unsubscribe link, and a reply saying “unsubscribe” works on any email we send. We don't sell or share it.
What IS stored on your device
One thing: your light/dark theme choice, kept in your browser's local
storage so the site doesn't flash the wrong theme next visit. It
contains the word dark or light and nothing
else. Your financial inputs are never written to local storage or
anywhere else.
What the web server sees
Like every website, the server that delivers these files sees a standard page request — your IP address and which page was fetched — and our hosting provider may keep routine server logs. What makes RepayCompass different is that your financial data is never part of any request: the page you download is identical for everyone, and your numbers stay on your side of the wire.
Links to other sites
We link heavily to official sources — StudentAid.gov, the Federal Register, the CFPB — and those sites have their own privacy practices. Links marked with their destination open in a new tab; nothing about your calculator inputs is passed along.
If you email us
The feedback address is ordinary email: we'll see whatever you choose to send and use it only to follow up. Please never include Social Security numbers, account numbers, or login credentials.
Who we are (and aren't)
RepayCompass is an independent educational tool. It is not affiliated with, endorsed by, or operated by the U.S. Department of Education or any loan servicer. For decisions about your loans, your servicer and StudentAid.gov are the final word.