ActivePayOS

Student Loans

Understand your options: PSLF, repayment plans, and payoff vs invest.

Progress: 0 / 8 (0%)

First Pass Checklist

  • List your loans (balance, rate, federal vs private).
  • If eligible, learn PSLF basics from the official source (don't guess).
  • High-interest private loans often deserve priority payoff.
  • Use the ActivePayOS budget export to pick a monthly payment you can sustain.

Payoff vs Invest (Simple)

  • If the interest rate is very high: payoff usually wins.
  • If the interest rate is low and you're investing long-term: investing may win.
  • Behavior matters: pick the option you'll actually stick with.
  • If you're unsure: start with consistency (auto-pay + small investing) and refine later.

ActivePayOS Actions

Budget Planner
Lock a payment you can sustain
Open ->
TSP & Retirement
Don't pause wealth-building blindly
Open ->

Official Links

Federal Student Aid (Studentaid.gov)
Open ->
PSLF Info (Official)
Open ->

Coming Next

A mini-calculator: compare "extra $X/month to loans" vs "invest $X/month" over time.