DEBT FREEDOM SIMULATOR
Find out when YOU'LL be debt-free (and how much you'll save)
Step 1 of 6
Let's Start With Your Loan Reality
Don't worry, we're not judging. We're here to help you escape this mess.
💰 Scenario 1: Tax Refund Arrives ($2,500)
You just got your tax refund. What's your move?
Throw it all at loans
Aggressive debt reduction strategy
Build emergency fund first
Financial security strategy
Split it 50/50
Balanced approach
Treat yourself (you've earned it)
Mental health investment
🚀 Scenario 2: You Got a Promotion! (+$500/month)
Your salary just increased. How do you handle the extra cash?
All extra money to loans
Fast-track to freedom
Upgrade your lifestyle
You deserve nice things
Start investing for the future
Long-term wealth building
Strategic split
$300 to loans, $200 for life
🚨 Scenario 3: Car Repair Emergency ($1,200)
Your car just died and you need it for work. What's your plan?
Use emergency fund
This is what it's for
Put it on credit card
Deal with it later
Pause loan payments temporarily
Use that money for repair
Ask family for help
Swallow your pride
🎓 Scenario 4: Public Service Job Opportunity
You're offered a government job that qualifies for loan forgiveness after 10 years, but it pays $10K less annually.
Take the job
Long-term forgiveness strategy
Stay in current job
Higher pay, aggressive payoff
Research other forgiveness programs
Explore all options first
Try to negotiate current salary
Best of both worlds
🎉 Your Debt Freedom Journey
December 2031
Debt-Free Date
$15,847
Total Interest Paid
$127
Potential Monthly Savings
Strategic AF
Your Strategy Rating
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