Cookies

No page of this site sets a cookie, and no calculator writes anything to your device. The income, balances and family figures you enter exist only in the open tab and disappear when you close it.

Nothing to accept

There is no cookie banner because there is nothing to accept: no advertising, no analytics cookie, no social media button, no account.

Anonymous stability monitoring

The site loads Microsoft Clarity in cookie-free mode to catch script errors, slow pages and buttons that do nothing. In that mode Clarity sets no cookie (no _clck, _clsk, MUID or CLID), gives each page view a one-off identifier and masks page content and inputs. Blocking clarity.ms stops it; the calculators still work.

Share links

The share link of a calculation carries your figures in the page address, not in a cookie. Anyone who receives the link sees them.

Questions: contact@studentloanledger.com. Updated: 2026-10-11.