What do I need to use Student Loan Strategy?

Every loan; The extra amount; Forgiveness status; The temperament.

Is Student Loan Strategy free to use?

Yes — run it free in the browser playground (no API key needed for the sponsored trial, or bring any provider key), or install it into Claude Code, Cursor, ChatGPT and more via npx pm-claude-skills. MIT-licensed and open source.

Student Loan Strategy

Q: How do I know the Student Loan Strategy output is good?

The skill verifies itself against its own quality checks: 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.

🔵 Stable🕐 updated 2026-10-06 🔷 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.

▶ Run it free — no key needed 📝 Grade your existing draft 📱 Use as an app View SKILL.md ↗ What changed

🗣 Say this to your agent

“Should I pay off my student loans faster?”“Pay loans.”“Is my forgiveness track worth it?”“Model my student debt.”

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 -p pm-claude-skills pm-claude-skills-mcp

Start with

Related 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 1307 open-source professional AI agent skills — all SkillSpec L3. Try them all in the browser · ⭐ Star on GitHub · Browse the full catalog