Reclassify is a calculation tool with an explanation layer — not a chatbot with opinions. Here's exactly what happens to your information.
Add your loans by hand, or import your MyStudentData.txt file from StudentAid.gov and we'll read every federal loan at once — balances, rates, servicers, statuses. Then your income, family size, career, and what matters most to you: lowest payment, lowest lifetime cost, fastest payoff, or maximum forgiveness.
A deterministic calculation engine checks your eligibility for each current federal plan — Tiered Standard, IBR, RAP — plus accelerated payoff, then simulates each one month by month: payment, interest, principal, forgiveness. If you work in public service, it overlays PSLF. No AI does any math. Every plan rule is versioned and cited to an official source.
Strategies are scored against your stated goals and ranked. You see the winner, the runner-up, and the honest trade-off between them — starting payment, time to done, total paid, amount forgiven. AI writes the plain-English explanation using only the engine's numbers.
Your Action Plan converts the winning strategy into concrete steps — what to file, where, in what order — with links that go only to official StudentAid.gov pages. Check them off as you go. When your life changes, update your profile and the analysis re-runs.