Disclosures & privacy
Our whole pitch is being unbiased, so we owe you total clarity on how we make money and how we handle your information.
How we make money (advertising / affiliate disclosure)
The AttendingFi decision engine is free. When the engine determines that refinancing is a sensible option for you and you choose to refinance through one of our partner lenders or marketplaces, that partner may pay AttendingFi a referral or affiliate fee. We will always identify partners as partners.
This compensation only exists on the refinance path. To keep that from biasing our guidance, our engine recommends refinancing strictly when your own numbers favor it — and for borrowers on a Public Service Loan Forgiveness track, it will tell you not to refinance, even though that means we earn nothing. We would rather give you the right answer than the profitable one. Compensation does not influence the analysis, the rankings, or which option is marked "recommended."
Educational tool — not financial, tax, or legal advice
AttendingFi provides educational estimates and modeling. It is not financial, investment, tax, or legal advice, and using it does not create an advisory or fiduciary relationship. We are not registered as an investment adviser. Federal student-loan rules for 2026 (including the RAP plan) are new and still being implemented by the U.S. Department of Education and loan servicers; actual outcomes depend on your servicer, your taxes, market rates, and program details that may change. Always verify current rules at studentaid.gov and consult a qualified financial advisor, tax professional, or attorney before making decisions.
Privacy
The decision engine runs in your browser. The numbers you enter are used to generate your results and are stored locally on your own device so you can return to your plan; they are not required to be sent to us to use the tool. If you choose to save your plan by entering your email, we use that email to send your results and occasional, relevant updates — and you can unsubscribe at any time. We do not sell your personal information.
If we add analytics or partner integrations, we will update this page to describe them. Questions: hello@attendingfi.com.
Accuracy
We work hard to model the rules correctly and update the engine as guidance is finalized, but we cannot guarantee accuracy or that a given result applies to your specific situation. Use the output as a starting point for a more informed conversation, not as a final decision.