student-loan-strategy
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.
npx skills add mohitagw15856/pm-claude-skills --skill student-loan-strategy --agent claude-code
Same command for any agent — swap --agent for codex, cursor, copilot.
Weekly change comes from our own snapshots, not the repository page — it measures attention, not adoption.
# 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 ## Required Inputs Ask for these if not provided: - **Every loan** — balance, APR, minimum (federal vs. private noted: forgiveness and
- What This Skill Produces
- Required Inputs
- Programmatic Helper
- Framework: The Allocation Rules
- Output Format
- The Three Paths
- The Honest Frame
- The Decision Sheet
- Quality Checks
- Anti-Patterns
python3 scripts/student_loan_strategy.py --loan "grad:38000:6.8:410" --loan "undergrad:12000:4.5:130" --extra 400 python3 scripts/student_loan_strategy.py --loan "fed:52000:6.2:560" --extra 300 --forgiveness-months 84 --json
What does the student-loan-strategy skill do?
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.
How do I install it?
Run `npx skills add mohitagw15856/pm-claude-skills --skill student-loan-strategy --agent claude-code` — it drops the skill into your project so the agent can pick it up. Swap the --agent value for codex, cursor or copilot if you use one of those.
Where does this skill come from?
From mohitagw15856/pm-claude-skills, a repository with 1,255 stars. We read it straight from the repository tree rather than a submitted listing, so what you see here is what is actually published.
Is a popular skill a good skill?
Not necessarily. Stars measure attention, not adoption — a repository can trend for a week and be abandoned. That is why we show the weekly change from our own snapshots next to the total, instead of a single flattering number.