The Servicer Split Your Student-Loan Payment. Reconcile the Allocation
Build a student-loan payment-allocation review record. It runs locally in this browser and sends nothing.
LIMIT FIRST: This is a record-keeping aid, not financial or legal advice. It cannot recalculate a contractual balance, forgive a loan, stop an automatic payment, or establish a servicer violation.
FREE TIER1 Free Run AvailableFree preview — Pro locked
Cost and free path
Cost: Free: one complete local run in this browser, with no account or upload; the tool does not transmit what you enter. Optional $4 one-time convenience unlock for unlimited runs of this tool on this browser; never a subscription. The protective answer and every free-path step remain free.
Rule status (federal route): Federal route, checked 2026-10-10: federal student-loan servicers publish payment allocation instructions, but the applicable loan terms, saved payment directions, and current account history control the specific calculation.
Automated decision this documents: automated allocation of a student-loan payment among loan groups, fees, interest, principal, or future installments
Free path, in order (no cost):
Your federal-loan servicer's secure message and payment-history request route
StudentAid.gov's servicer and borrower-help resources
Federal Student Aid's free Submit Feedback route for a federal-loan servicing problem
What this cannot do: It cannot recalculate a contractual balance, forgive a loan, stop an automatic payment, or establish a servicer violation.
Sources checked 2026-10-10 · first-party source pages fetched and reviewed; no separate raw HTTP-status probe.
One-time payment. No subscription. Unlocks this tool on this browser only; not synced to other devices. Free use remains available. Safety information never requires payment. Client-side unlock is not purchase-verified. Refunds.
This tool reduces uncertainty; it does not replace a bank's fraud department, a mental-health professional, legal advice, a school privacy contact, or qualified technical help, and it cannot prove that a call, message, account, decision, or AI system is safe.
Convenience tier: unlimited runs on this browser$4 one-time