Terms of Service

Last updated: September 2026

Welcome to ScholarPay. By accessing or using getscholarpay.com (the "Site"), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use the Site.

1. Description of Service

ScholarPay provides free, web-based student loan calculators for informational purposes. The Site offers tools to estimate loan payoff timelines, refinance savings, interest accrual, and the impact of extra payments. All calculations are performed in your browser and do not require registration.

2. No Financial Advice

All information and calculations provided on this Site are for general informational purposes only and do not constitute financial, legal, tax, or professional advice.

The calculators use standard amortization formulas, but results may differ from your actual loan terms due to factors including but not limited to:

  • Variations in how your loan servicer calculates interest
  • Capitalization events and timing
  • Variable interest rates
  • Fees, penalties, or payment adjustments
  • Income-driven repayment plan specifics

Always verify calculations with your loan servicer and consult a qualified financial advisor before making decisions about your student loans.

3. No Warranty

The Site and all calculators are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:

  • The calculations are accurate, complete, or applicable to your specific situation
  • The Site will be available at all times without interruption
  • The Site is free of errors or viruses

You use the Site at your own risk.

4. Limitation of Liability

To the fullest extent permitted by law, ScholarPay and its operators shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from your use of, or reliance on, the Site or its calculations. This includes damages for loss of profits, data, or other intangible losses.

Since the information provided by the calculators is general in nature and not tailored to your specific circumstances, you bear full responsibility for any decisions made based on the results.

5. Advertising

This Site displays advertisements served by Google AdSense and potentially other advertising networks. We do not control which specific ads are shown and are not responsible for the products or services advertised. Clicking on ads will take you to third-party websites governed by their own terms and privacy policies.

6. Intellectual Property

The Site's design, text content, calculator code, and visual elements are owned by ScholarPay. You may not reproduce, distribute, or create derivative works from the Site's content without prior written consent. However, you are free to use the calculators for personal, non-commercial purposes.

7. External Links

The Site may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of any external websites. Visiting linked sites is at your own risk.

8. User Conduct

You agree not to:

  • Use the Site for any unlawful purpose
  • Attempt to interfere with the Site's functionality or security
  • Use automated tools to scrape or overload the Site
  • Misrepresent the Site's calculations or content

9. Changes to These Terms

We may update these Terms of Service at any time. Changes take effect when posted on this page. Continued use of the Site after changes constitutes acceptance of the updated terms.

10. Governing Law

These terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.

11. Contact

If you have questions about these Terms of Service, contact us at hello@getscholarpay.com or through our contact page.