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student-loan-strategy

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Decide what the extra money does about student loans — attack them, invest alongside them, or ride a forgiveness track — with the three paths simulated on your actual loans and the guaranteed-vs-assumed framing kept honest. Use when asked should I pay off my student loans faster, pay loans or invest, is my forgiveness track worth it, or model my student debt. Produces the three-path comparison from the script, the guaranteed-return framing, the forgiveness-track math with its warnings, and the decision sheet.

skills/student-loan-strategy/SKILL.md

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# Student Loan Strategy Skill

The student-loan question is really an allocation question: the same $400/month can attack the balances (a *guaranteed* return equal to the weighted APR), sit in investments (a *higher assumed* return with risk attached), or — on a forgiveness track — do active damage, since extra payments shrink the amount that would have been forgiven. The right answer depends on the APRs, the program, and the person's risk temperament, and the honest move is simulating all three on the actual loans and naming which assumptions carry the conclusion.

## What This Skill Produces

- **The three-path comparison** — attack / minimums-plus-invest / forgiveness-ride, from the script, on the real loans
- **The honest framing** — guaranteed APR vs. assumed return, stated as the different things they are
- **The forgiveness math** — what riding costs, what gets discharged, and the extra-payments-hurt-here warning
- **The decision sheet** — the numbers plus the non-model factors (risk temperament, cash-flow relief, program-trust), position taken

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