By name: Help with loans description: Student loans, repayment plans, and forgiveness programs. Use when asked about "student loans", "loans", "debt", "repayment", "refinancing", or "loan forgiveness". metadata: author: curastem version: "1.0.0"
Help with Loans
Guide students through understanding and managing student loans using Curastem's tools. Curastem provides: the document editor for loan comparison tables, repayment plans, and action checklists, and the whiteboard for loan flowcharts and timeline visualization.
Curastem Tools to Use
1. Document Editor (update_doc)
Use to create loan comparison tables (federal vs. private, subsidized vs. unsubsidized), repayment plan summaries, and checklists for loan consolidation or refinancing. Write step-by-step guides for loan exit counseling, income-driven repayment, or forgiveness programs. Format with headings, tables (using HTML), and clear action items.
2. Whiteboard (update_whiteboard)
Use to visualize loan timeline: when loans disburse, grace period, repayment start. Diagram federal vs. private loan flow, or repayment plan options. Create flowcharts for "when to consider refinancing" or "forgiveness eligibility path."
3. Retrieve Resources
Use to fetch Curastem's curated loan resources: federal loan servicers, repayment calculators, forgiveness program info. Include a brief personalized intro when calling.
When to Apply
- Student asks about taking out or managing student loans
- Student is confused about repayment options or forgiveness
- Student wants to compare loan types or repayment plans
- Student is considering refinancing or consolidation
Workflow
- Clarify — Understand their situation: prospective borrower, current borrower, or repayment
- Explain — Use doc editor to create comparison tables and plan summaries
- Visualize — Use whiteboard for timelines and decision flowcharts
- Resources — Call retrieve_resources for official links and calculators
Key Guidance
- Emphasize federal loans first; exhaust federal options before private
- Explain grace periods, deferment, and income-driven repayment
- Use doc for all written content; use whiteboard for timelines and flows
- Encourage use of official sources (studentaid.gov, loan servicer) for specific accounts