Former VSAC federal loan accounts transferred to American Education Services (AES) and Trellis Company in March 2024. Your loan terms and interest rates remain identical.
Navigate Federal Student Loans With Mathematical Precision
Independent public-interest research, certified servicer directories, and institutional financial calculators. Analyze repayment amortization, test SAVE plan discretionary formulas, track PSLF 120-payment milestones, and maximize IRS Schedule 1 tax deductions.
Model prepayment principal reduction and year-by-year amortization.
225% poverty line calculations, 5% undergrad cap, and interest subsidy.
Compute up to $2,500 IRS Schedule 1 deduction & MAGI phaseout.
Estimate tax-free discharge dates and qualifying payment counts.
5 Dedicated Interactive Student Loan Calculators
Built in accordance with Title IV federal statutory repayment formulas and current IRS revenue procedures.
Standard & Accelerated Repayment Calculator
Calculate monthly installments under 10, 15, and 25-year terms. See exact interest savings and accelerated payoff dates when adding extra monthly principal payments.
SAVE Income-Driven Repayment Calculator
Calculate payment caps based on your AGI and family size. Features 225% poverty baseline protection, 5% undergraduate split, and projected 20/25-year forgiveness balance.
Student Loan Interest Tax Deduction Calculator
Verify your eligible deduction up to $2,500 under IRS Form 1040 Schedule 1. Computes statutory phaseouts for Single ($80k-$95k) and Married Filing Jointly ($165k-$195k).
Refinance Savings & Comparison Tool
Model monthly and lifetime interest savings when refinancing private loans, alongside critical institutional risk warnings on surrendering federal benefits.
Public Service Loan Forgiveness (PSLF) Milestone Tracker
Track progress toward 120 certified qualifying payments under qualifying 501(c)(3) or government employment. Project remaining installments, future out-of-pocket costs, and 100% tax-free loan discharge amount.
Servicer Guides & Logins
Complete navigation guides for major loan servicers, billing portal credentials, contact phone numbers, and the March 2024 VSAC-to-AES transition.
Debt Relief & Legal Rights
Regulatory analysis of federal loan discharge pathways, bankruptcy case law under the 2022 DOJ guidance, Teacher Loan Forgiveness, and credit repair.
Tax Intersections & 1098-E
Tax strategy guides on Form 1098-E, the 2026 taxability expiration on IDR forgiveness under the American Rescue Plan Act, and state tax credits.
College Loan Debt & Financial Aid Profiles
Official US Department of Education College Scorecard metrics across partnering universities and national institutions.