Terms of Use
Effective August 15, 2026
License
LoanPilot is licensed to you under Apple's Standard End User License Agreement (EULA), plus the terms below.
Not financial, legal, or tax advice
LoanPilot provides educational estimates based on published federal repayment rules. It is not a financial advisor, and its projections are not advice or a guarantee of what your servicer will bill or forgive. Repayment plan changes can be irreversible. Always confirm with your loan servicer or a qualified advisor before acting.
Accuracy
We derive formulas from the statute and test them against independent sources (details), but laws, regulations, and guidance change, and your servicer's records control your actual account. The app's rules-version banner tells you when an update carries newer rules.
Subscriptions
Subscriptions ($49.99/year with a 7-day free trial, or $9.99/month) are billed by Apple to your Apple ID, renew automatically, and can be cancelled anytime in iOS Settings → Subscriptions. Cancelling stops future charges; your data remains on your device and export remains available.
Your responsibility
You are responsible for the accuracy of the numbers you enter and for keeping backups of your data (the app provides export for this purpose).
Limitation of liability
To the maximum extent permitted by law, LoanPilot and its developer are not liable for financial outcomes resulting from decisions made using the app's estimates, including plan switches, missed forgiveness, or tax consequences.