(CRIAPP) Student Loan SIM

NOT A GOVERNMENT APP — PLEASE READ FIRST This is an independent, unofficial study guide. It is not a government application, it does not represent any government entity, and it is not authorized to act on behalf of one. It is not affiliated with, endorsed by, sponsored by or connected to the U.S. Department of Education, Federal Student Aid (FSA), or Central Research, Inc. (CRI). Those names appear only to describe the public program this guide explains, and all trademarks belong to their owners. It has no connection to any government or servicer system and cannot act on your loan account. ▍ OFFICIAL SOURCES FOR THE GOVERNMENT INFORMATION IN THIS APP Every rule, rate and date here comes from the official public pages below. Each chapter in the app also names the exact page its facts came from. U.S. Department of Education — Federal Student Aid (https://studentaid.gov): • Interest rates and loan fees — https://studentaid.gov/understand-aid/types/loans/interest-rates • Subsidized and unsubsidized loans — https://studentaid.gov/understand-aid/types/loans/subsidized-unsubsidized • Repayment plans — https://studentaid.gov/manage-loans/repayment • Income-driven repayment — https://studentaid.gov/manage-loans/repayment/plans/income-driven • Apply for or recertify IDR — https://studentaid.gov/idr • Public Service Loan Forgiveness — https://studentaid.gov/publicservice • Forgiveness and discharge — https://studentaid.gov/manage-loans/forgiveness-cancellation • Loan consolidation — https://studentaid.gov/loan-consolidation • Delinquency and default — https://studentaid.gov/manage-loans/default • Official repayment calculator — https://studentaid.gov/repayment-calculator Central Research, Inc. (CRI), a loan servicer working for the Department of Education: • Knowledge Center — https://cri.studentaid.gov/content/knowledgecenter • Repayment Assistance Plan — https://cri.studentaid.gov/content/rap • Tiered Standard Plan — https://cri.studentaid.gov/content/tieredstandard • Interest capitalization — https://cri.studentaid.gov/content/interestcapitalization • Auto debit — https://cri.studentaid.gov/content/autodebit • Deferment and forbearance — https://cri.studentaid.gov/content/postponeyourpayments • Credit reporting — https://cri.studentaid.gov/content/creditreporting ▍ WHAT IT DOES Federal student loan rules changed on 1 July 2026, and which apply to you depends on when your loans were disbursed. This app explains what changed and what each choice costs. The simulator opens already answered. Four sliders — balance, rate, term, extra payment — and the curve, the totals and a plain-English conclusion move as you drag. On $30,000 at 6.52% over 15 years, adding $75 a month clears the loan 4 years 9 months sooner and saves $5,970 in interest. ▍ EIGHT CALCULATORS RAP payment · Tiered Standard tier and payment · Compare Standard, Tiered Standard, Extended and RAP, including the plans closed to you and why · Which plans you can request · Daily interest, (balance × rate) ÷ 365.25 · Cost of a pause, including capitalization · Auto debit saving · Loan fee. Each states the rule it implements and its assumptions. ▍ TWELVE CHAPTERS, PLUS 29 questions answered · 58 glossary terms · all nine repayment plans · key dates · an 18-item checklist · search · official links ▍ WHAT THIS APP IS NOT Not the CRI borrower portal and not a servicer app: no sign-in, no balance, no payments, no plan changes. Not a lender or broker. Help with your loans is always free through your servicer and Federal Student Aid. ▍ PRIVACY & ACCURACY No account, no server of ours, no permissions; what you tick or bookmark stays on your device. The app is ad-supported and the Google Mobile Ads SDK collects a device advertising identifier — the only data that leaves your phone. Figures are educational estimates from published rules, not your actual balance. Your servicer's figure counts. Nothing here is financial or legal advice.