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, no submission, no database — the site is static files. Close the tab and your inputs are gone.
What we don't have
- No accounts or signup — there is nothing to register for.
- No email capture — no newsletter forms, no gates.
- No analytics or trackers — no Google Analytics, no ad pixels, no fingerprinting. If usage measurement is ever added, it would be a cookieless, anonymous page counter consistent with this page — and this page would say so first.
- No cookies — which is why there's no cookie banner.
- No saved scenarios — the tool can't remember your inputs between visits, by design.
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.