Our AI Policy
How AI is used on this site — what it does, what it doesn't, and where a human is always in the loop.
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Student loan law changes constantly. The regulations are dense, the servicer guidance is inconsistent, and the gap between what the rules say and what actually happens to borrowers is wide. Keeping this site accurate, current, and genuinely useful requires a small team working at a pace that wouldn't be possible without modern tools — including AI.
We think you deserve to know exactly how we use it.
What AI does on this site
We use AI as a research and production tool, not as a replacement for human judgment. In practice, that means AI helps us monitor policy changes, gather and organize source material, identify what questions borrowers are asking, and move efficiently from raw information to a working draft.
Every piece of content on this site — every article, guide, and update — is written, edited, and approved by a human. AI does not produce our final copy. It does not render legal analysis. It does not determine what advice to give or how to apply the law to a specific situation. Those judgments belong to Stanley and our editorial team, and they always will.
What AI does not do
To be direct about the limits:
AI does not analyze your specific loan situation. Every legal opinion, recommendation, and strategic judgment on this site comes from a licensed attorney with 15 years of experience in student loan law — not from a language model.
AI does not write our legal analysis. When an article explains how PSLF works, what happens to your payment after SAVE, or whether bankruptcy is an option for your private loans, that analysis was written and reviewed by a human who practices this law.
AI does not make editorial decisions. What we cover, how we frame it, and whether it's accurate enough to publish — those calls are made by our team.
AI-assisted communications
Some of our initial outreach and follow-up communications are assisted by AI tools. When you submit a request through this site, your first response may be generated or drafted with AI assistance. A human reviews all replies and is always available when your situation requires it. If you have a question that needs a real person, you will get one.
Why we use it at all
The student loan system is one of the most complex areas of consumer law in the United States, and it changes faster than almost any other. Our team is small by design — we believe a small team with high standards produces better work than a large one optimizing for volume. AI is what makes that possible without sacrificing quality.
We use these tools the same way a skilled craftsperson uses better equipment: to do more of the work that matters, faster, without cutting corners on the things that require human skill and judgment. The goal is always the same — to get you accurate, actionable information as quickly as we can.
Questions or concerns
If you have a question about how AI is used in a specific context on this site, or if you believe something was generated without adequate human review, we want to know. Contact us →
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