Terms of Service & Legal Disclaimers

1. Acceptance of Terms

By accessing or utilizing VSACFederalLoans.org (the "Service"), you acknowledge that you have read, understood, and agreed to be legally bound by these Terms of Service. If you do not agree to these terms, you must discontinue use of the website immediately.

2. Nature of Educational Content & No Fiduciary Duty

The materials, articles, servicer lookup databases, loan directories, and financial calculators published on this site are provided strictly for informational and educational purposes. Nothing contained herein constitutes:

• Legal advice or creation of an attorney-client relationship;
• Formal certified tax advice under IRS Circular 230 regulations;
• Individual investment or financial planning advice from a registered broker or CFP®.

Borrowers must verify loan records directly on StudentAid.gov or directly through their assigned loan servicer before making binding financial decisions.

3. Computational Estimates & Limitation of Liability

While our team makes every effort to reflect current Title IV Higher Education Act statutory provisions, IRS Revenue Procedures, and HHS Poverty Guidelines, all financial calculator outputs are simulations and mathematical estimates. We make no warranties, express or implied, regarding the accuracy, completeness, or fitness of calculator outputs for any specific purpose. In no event shall VSACFederalLoans.org, its authors, or its operators be held liable for any damages, errors, missed deadlines, or penalties resulting from the use of this service.

4. Intellectual Property & Fair Use

All original text, interactive scripts, code architecture, and analytical commentary are the intellectual property of VSACFederalLoans.org. Brand names, servicer marks (e.g., Nelnet, MOHELA, AES, Aidvantage), and university names cited on this portal are the property of their respective trademark holders and are utilized under nominative fair use for identification and historical reference.