Last updated July 29, 2026
Reclassify is an educational analysis tool. It simulates federal student-loan repayment strategies under currently published rules and explains the results. It is operated independently and is not affiliated with, endorsed by, or connected to the U.S. Department of Education or any loan servicer.
Everything Reclassify produces is an estimate for educational purposes. It is not financial, legal, or tax advice, and no advisor-client relationship is created by using it. Federal rules change, servicer records control, and your official numbers come from StudentAid.gov and your servicer. Verify before acting; for personal advice, consult a licensed professional.
Provide accurate information (the analysis is only as good as its inputs), keep your account credentials secure, and use the service only for your own loans or those you're authorized to manage.
You can delete your account at any time. We may suspend accounts that abuse the service, attempt to breach its security, or use it unlawfully.
The service is provided "as is" without warranties of any kind. To the maximum extent permitted by law, Reclassify and its operators are not liable for decisions made based on the service's estimates or for indirect, incidental, or consequential damages arising from its use.
If these terms change materially, we'll email account holders before the change takes effect. Continued use after that date constitutes acceptance.
Questions about these terms: support@reclassify.app.