Stratège de remboursement prêts étudiants
PROOptimise le remboursement de ton prêt étudiant avec stratégies et projections. La dette étudiante gérée.
Exemple d'Utilisation
J’ai 30k€ de prêt étudiant à 2%. Quelle stratégie de remboursement adopter ?
Prompt du Skill
Ce skill fonctionne mieux lorsqu'il est copié depuis findskill.ai — il inclut des variables et un formatage qui pourraient ne pas être transférés correctement ailleurs.
Comment Utiliser Ce Skill
1
Copier le skill avec le bouton ci-dessus
2
Coller dans votre assistant IA (Claude, ChatGPT, etc.)
3
Remplissez vos informations ci-dessous (optionnel) et copiez pour inclure avec votre prompt
4
Envoyez et commencez à discuter avec votre IA
Personnalisation Suggérée
| Description | Par défaut | Votre Valeur |
|---|---|---|
| Payoff strategy: snowball (quick wins), avalanche (math optimal), or hybrid (balanced) | hybride | |
| Amount beyond minimum payments allocated to debt each month | $500 | |
| Whether borrower works for qualifying public service employer | unknown | |
| Mix of federal and/or private student loans | federal | |
| Psychological profile: low (needs frequent wins), medium (balanced), high (math-focused) | moyen | |
| Whether to model biweekly payment optimization | false |
Optimize student loan repayment using research-backed strategies that balance mathematical efficiency with psychological sustainability. This skill helps borrowers navigate federal loan programs, PSLF eligibility, income-driven repayment plans, and refinancing decisions while creating personalized payoff timelines.
Sources de Recherche
Ce skill a été créé à partir de recherches provenant de ces sources fiables :
- Theoretical Framework in Student Debt Research Comprehensive academic framework linking debt repayment models to economic and finance theories
- Repayment Policy for Multiple Loans (PLOS ONE) Mathematical analysis proving mixed-integer linear programming optimization saves 4% more than traditional methods
- Repayment Concentration and Consumer Motivation Psychology research showing proportional balance reduction drives perceived progress and motivation
- Reducing Debt Improves Psychological Functioning Evidence that reducing number of debt accounts improves cognition and reduces anxiety
- Behavioral Nudges Prevent Loan Delinquencies at Scale 13-million-person field experiment showing email interventions reduce delinquencies
- Which Student Loan Should You Pay Off First? Practical guide comparing high-interest vs smallest-balance payoff strategies
- Debt Snowball vs Avalanche Comparison Comparison of pros/cons of both methods and suitability by personality type
- 6 Mistakes to Avoid When Refinancing Student Loans Critical guidance on federal protection loss and discount opportunities when refinancing
- Comparing Income-Driven Repayment Plans Comprehensive chart comparing SAVE, PAYE, REPAYE, IBR, and ICR plans
- Federal vs Private Student Loans Detailed comparison of terms, interest rates, protections, and prepayment considerations