Disclaimer

1. No Government Affiliation

This Site is independently operated by Moises Lopez as a personal project. It has no affiliation with, endorsement from, or sponsorship by the U.S. Department of Education, Federal Student Aid (FSA), the U.S. Congress, or any federal, state, or local government agency. References to legislation, FSA guidance, and government policy are for informational purposes only.

2. Not Legal or Financial Advice

Nothing on this Site constitutes legal advice, financial advice, tax advice, or any professional advisory service. The operator is not a licensed attorney, certified financial planner, or accredited financial aid counselor. Information provided here is general in nature and may not apply to your specific circumstances.

You should consult a qualified professional — including your institution's financial aid office, a licensed attorney, or a certified financial planner — before making decisions about student loans, repayment plans, or federal financial aid.

3. Accuracy and Currency of Information

We make reasonable efforts to keep the policy data on this Site accurate and up to date, including maintaining a versioned policy source file (docs/obbba-policy.json) referenced from official FSA publications and legislative text. However:

• → Federal student aid regulations are subject to change through rulemaking, court orders, and Congressional action.
• → Some OBBBA implementing regulations were pending final publication as of the last policy update date.
• → We do not guarantee that every value, date, or threshold on this Site is current, complete, or error-free.
• → Information on this Site should not be used as the sole basis for financial decisions.

4. Calculator Estimates

The interactive calculators on this Site — including the RAP vs. IDR Comparator, Pell Grant Estimator, Parent PLUS Gap Calculator, Workforce Pell Screener, and Legacy Status Checker — produce estimates only. They are based on simplified models and publicly available statutory formulas. Actual aid awards, loan limits, and repayment amounts are determined by:

• → Your institution's financial aid office, using your complete FAFSA record
• → Federal Student Aid systems and current regulatory guidance
• → Your actual enrollment status, dependency status, and documented income
• → Annual recertification of income for income-driven repayment plans

Calculator inputs are processed entirely in your browser and are never transmitted to or stored on any server.

5. External Links

This Site contains links to external websites, including official government resources, university financial aid offices, and professional associations. These links are provided for convenience and informational purposes only. We do not endorse, control, or accept responsibility for the content, accuracy, or privacy practices of any linked external site.

6. Limitation of Liability

To the fullest extent permitted by applicable law, Moises Lopez and FAFSA Guide 2026 shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, this Site or its content — including any reliance on calculator estimates, policy summaries, or linked resources. Your use of this Site is entirely at your own risk.

7. Indemnification

By using this Site, you agree to indemnify and hold harmless Moises Lopez and FAFSA Guide 2026 from any claims, damages, losses, or expenses (including reasonable attorney's fees) arising out of your use of the Site, your violation of these terms, or your reliance on any information provided herein.

8. Changes to This Disclaimer

We reserve the right to modify this Disclaimer at any time. Changes are effective upon posting to this page. We encourage you to review this page whenever policy updates are made. Continued use of the Site constitutes acceptance of the current Disclaimer.

9. Governing Law

This Disclaimer is governed by and construed in accordance with the laws of the United States and the state in which the operator resides, without regard to conflict of law principles.