Terms of Use

Last updated November 13, 2026. By using Student Loan Secrets, operated by KEYZ Media, a DBA of Alpha Catalyst Ventures, LLC, you agree to these terms.

Informational only

Content and calculator outputs are for general information. They are not legal, tax, or financial advice, and they are not an offer of credit. Loan approval, rates, and terms come only from lenders or federal programs. Confirm federal rules on StudentAid.gov and with your school or servicer.

No paid debt-relief services

You never have to pay for help with federal student loans. This site does not sell or promote paid debt-relief or paid forgiveness services.

Affiliate relationships

We may earn a commission if you use approved partner links. That does not change the calculator math. See the advertiser disclosure.

Accuracy

We work from dated official sources, but rules change. Estimates can be wrong or incomplete. You are responsible for decisions you make.

Intellectual property

Site content, branding, and tools are owned by Alpha Catalyst Ventures, LLC or its licensors. Do not copy substantial portions without permission.

Disclaimers and limitation of liability

The site is provided "as is" without warranties of any kind to the fullest extent permitted by law. Alpha Catalyst Ventures, LLC is not liable for indirect, incidental, or consequential damages arising from your use of the site.

Governing law

These terms are governed by the laws of the United States and the state in which Alpha Catalyst Ventures, LLC maintains its principal place of business, without regard to conflict-of-law rules. Venue details will be added when the legal address is confirmed.

Contact

A public contact email and mailing address will appear here once they are confirmed. Until then, those blocks stay hidden rather than invented.