SL
Student Loan Strategy
🔵 Stable🕐 updated 2026-07-18
🔷 SkillSpec L3
⚙ ships an executable helper
pm-calculators
Decide what the extra money does about student loans — attack them, invest alongside them, or ride a forgiveness track — with the three paths simulated on your actual loans and the guaranteed-vs-assumed framing kept honest. Use when asked should I pay off my student loans faster, pay loans or invest, is my forgiveness track worth it, or model my student debt. Produces the three-path comparison from the script, the guaranteed-return framing, the forgiveness-track math with its warnings, and the decision sheet.
What to give it
▸Every loan — balance, APR, minimum (federal vs. private noted: forgiveness and income-driven options generally attach to federal only — flagged jurisdiction/program-specific)
▸The extra amount — the real monthly number in play
▸Forgiveness status — on a track (employment-based, income-driven horizon)? Months remaining and the program named; not on one? The branch disappears honestly
▸The temperament — how they'd feel about market losses while carrying debt; it's a legitimate input, not noise
✅ The bar it holds itself to
Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.
✓All three paths (or two, honestly, if no forgiveness track) are simulated on the real loans
✓Guaranteed vs. assumed is framed explicitly, never blended
✓The employer-match check happens before any other allocation
✓Forgiveness branches carry both warnings verbatim-in-spirit
✓The read takes a position and names its hostage assumption
⚠️ What it refuses to do
Do not compare APR to assumed returns as equals — one is guaranteed, and the framing is the product
Do not recommend extra payments on a credible forgiveness track — the math inverts and the skill must too
Do not skip the match — allocating around free money is malpractice-by-spreadsheet
Do not push refinancing federal loans from inside a calculator — one-way doors get named and routed
Do not moralize debt urgency — a 3.5% loan is cheap money and saying so is honesty, not heresy
Install
npx pm-claude-skills add --agent claude # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y pm-claude-skills-mcpRelated skills
🔌 Embed this skill
Drop this on your blog, docs, or site — it renders a "Run this skill" card:
<div data-pm-skill="student-loan-strategy"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>💬 Discussion
Student Loan Strategy is one of 625 open-source professional AI agent skills — all SkillSpec L3.
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