Disclosures & privacy

Our whole pitch is being independent, 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. Our current active refinance partner is SoFi; we are adding others and will keep this list current.

Today this compensation exists mainly on the refinance path, and we may add other clearly-labeled product partners (for example, disability or life insurance) over time. Wherever it applies, the same rule holds. To keep that from biasing our guidance, our engine surfaces refinancing as your lowest-cost path 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 shown as your lowest-cost path.

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.

We use Google Analytics (GA4) to understand how the tool is used in aggregate (for example, how many people complete the calculator) so we can improve it. This uses cookies and collects standard analytics data; we do not sell your data. Questions: our contact page.

Accuracy & our commitment

We work hard to be the most accurate student-loan modeling tool available for physicians: we build to the current federal rules, cite official government sources, and update the engine as guidance is finalized. That commitment is real and it's central to what we do.

At the same time, no model can guarantee a specific outcome. The results are estimates and guidance, not a promise. They depend on inputs you provide and on program rules, tax law, interest rates, servicer behavior, and your personal circumstances, all of which can change, sometimes after you've made a decision.

Limitation of liability

AttendingFi is provided "as is," for educational purposes, without warranties of any kind, express or implied. By using it you agree that:

• The tool's output is guidance, not advice, and the decisions you make are your own.
• To the fullest extent permitted by law, AttendingFi and its operators are not liable for any loss, cost, tax, or damage arising from your use of the tool or reliance on its results, including if a program rule changes, a servicer applies rules differently, or an estimate turns out to be inaccurate.
• Before acting, you will verify current rules at studentaid.gov and, where appropriate, consult a qualified financial advisor, tax professional, or attorney.

None of this limits any rights you have that cannot be waived under applicable law. Our goal is simple: give you the clearest, most accurate analysis we can, while being honest that it's a decision aid, not a guarantee.

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