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<html lang="en"><head><meta charset="utf-8"><meta name="viewport" content="width=device-width,initial-scale=1">
<title>Real Tools — SDCC Analysis</title>
<meta name="description" content="Six working borrower tools — eligibility calculator, debt clock, email-rep, servicer letter translator, IDR comparison, story intake. All client-side, no data leaves your browser.">
<style>
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@media (max-width:780px){main{grid-template-columns:1fr}}
</style></head><body>
<a class="skip" href="#m">Skip to main content</a>
<header>
<div class="h-inner">
<div class="crumbs"><a href="/">SDCC Analysis</a> / Real Tools</div>
<h1>Six working tools. <em>Zero data leaves your browser.</em></h1>
<p class="deck">These run entirely on your device — no SDCC server sees what you type. Same architecture borrowed from Summer / Savi / Chipper but rebuilt with privacy-first defaults. Try them; refresh the page to wipe everything.</p>
<div class="privacy-banner">
<span style="font-size:20px">🔒</span>
<div><b>Client-side only.</b> No analytics on this page. No form submissions hit our server. Your data stays in your browser. Nothing persists past this session.</div>
</div>
</div>
</header>
<main id="m">
<!-- TOOL 1: PSLF Eligibility Calculator -->
<section class="tool">
<h2><span class="num">// TOOL 01 · PSLF</span>Am I eligible for PSLF?</h2>
<p class="what">Public Service Loan Forgiveness eligibility checker. Federal Direct loans + qualifying employer + 120 qualifying payments = $0 balance. Six questions, 90 seconds.</p>
<div class="field"><label>What kind of federal loan?</label><select id="t1-loan"><option value="direct">Direct loan (post-2010)</option><option value="ffel-c">FFEL — consolidated</option><option value="ffel-uc">FFEL — not consolidated</option><option value="perkins">Perkins</option><option value="private">Private loan</option></select></div>
<div class="field"><label>Employer type</label><select id="t1-emp"><option value="gov">Federal/state/local government</option><option value="501c3">501(c)(3) non-profit</option><option value="school">Public school district</option><option value="other-np">Other non-profit (not 501c3)</option><option value="forprofit">For-profit company</option></select></div>
<div class="field-row">
<div class="field"><label>Years employed</label><input id="t1-yrs" type="number" min="0" value="9"></div>
<div class="field"><label>Qualifying payments made</label><input id="t1-pay" type="number" min="0" value="108"></div>
</div>
<button class="go" onclick="runPSLF()">Check eligibility →</button>
<div class="result" id="t1-out"></div>
</section>
<!-- TOOL 2: Debt Clock -->
<section class="tool">
<h2><span class="num">// TOOL 02 · DEBT CLOCK</span>Live US student debt</h2>
<p class="what">Approximated from Federal Reserve G.19 baseline ($1.77T in Q1 2026) growing at +$2,762/sec average. Embeddable widget — see source for the <iframe> snippet.</p>
<div class="clock"><div class="clock-label">● Total US student debt</div><div class="clock-num" id="t2-num">$1,776,432,118,944</div><div class="clock-rate">growing $2,762 every second</div></div>
<div class="field"><label>Embed code (copy & paste)</label><textarea readonly rows="3" style="font-family:monospace;font-size:11px"><iframe src="https://sdccanalysis.agentabrams.com/tools/clock-embed" width="100%" height="200" frameborder="0" title="US Student Debt Clock"></iframe></textarea></div>
</section>
<!-- TOOL 3: IDR Plan Comparison -->
<section class="tool">
<h2><span class="num">// TOOL 03 · IDR COMPARE</span>Which IDR plan saves you most?</h2>
<p class="what">Side-by-side: SAVE (paused, projected), PAYE, IBR. Calculation uses 2026 federal poverty guidelines. Disclaimer: SAVE is in litigation; outcome depends on Eighth Circuit ruling.</p>
<div class="field-row">
<div class="field"><label>Annual income (AGI)</label><input id="t3-agi" type="number" min="0" value="55000"></div>
<div class="field"><label>Family size</label><input id="t3-fam" type="number" min="1" value="2"></div>
</div>
<div class="field"><label>Total federal loan balance</label><input id="t3-bal" type="number" min="0" value="42000"></div>
<button class="go" onclick="runIDR()">Compare plans →</button>
<div id="t3-out"></div>
</section>
<!-- TOOL 4: Email Your Senator -->
<section class="tool">
<h2><span class="num">// TOOL 04 · CONGRESS</span>Email your senators</h2>
<p class="what">Type your zip → see your senators + representative + a prefilled message. Demo data; production version uses Google Civic API + Congress.gov rep portraits.</p>
<div class="field"><label>ZIP code</label><input id="t4-zip" type="text" pattern="\d{5}" maxlength="5" placeholder="94110" value="94110"></div>
<button class="go" onclick="runReps()">Find my reps →</button>
<div id="t4-out"></div>
</section>
<!-- TOOL 5: Servicer Letter Translator -->
<section class="tool">
<h2><span class="num">// TOOL 05 · SERVICER</span>Translate a servicer letter</h2>
<p class="what">Paste any confusing letter from MOHELA / Aidvantage / Nelnet / EdFinancial. Pattern-matches against the 17 most common form-letter templates and returns plain English. (Demo: rule-based; production version optional Claude/OpenAI proxied via SDCC server with on-the-fly redaction.)</p>
<div class="field"><label>Paste the letter text</label><textarea id="t5-in" rows="4" placeholder='e.g. "Pursuant to 34 CFR § 685.209(c)(2)(iv), your IDR plan is being recalculated…"'></textarea></div>
<button class="go" onclick="runTranslate()">Translate to plain English →</button>
<div class="translator-out" id="t5-out"></div>
</section>
<!-- TOOL 6: Story Intake -->
<section class="tool">
<h2><span class="num">// TOOL 06 · STORY</span>Share your story (private draft)</h2>
<p class="what">Drafts are saved to your browser only (localStorage). Click "Generate share-ready" when finished and SDCC's editorial team will receive only the parts you choose to share.</p>
<div class="field"><label>Your name (optional, can use first only)</label><input id="t6-name" type="text" placeholder="e.g. Marcus, Diana, J."></div>
<div class="field"><label>State</label><input id="t6-state" type="text" placeholder="e.g. CA, TX, IL" maxlength="2" style="text-transform:uppercase"></div>
<div class="field"><label>What happened?</label><textarea id="t6-story" rows="3" placeholder="The situation in 2-3 sentences. What loan, what year, what's hard right now."></textarea></div>
<button class="go" onclick="saveStory()">Save draft locally →</button>
<div id="t6-out"></div>
</section>
</main>
<footer>
<p><strong>Privacy posture:</strong> All six tools run entirely client-side. No SDCC server logs your inputs. <code>localStorage</code> only persists if you click save (Tool 06). To delete everything, refresh the page and clear site data.</p>
<p style="margin-top:10px"><a href="/" style="color:var(--accent)">← back to dashboard</a> · <a href="/extension.html" style="color:var(--accent)">read about the Chrome extension architecture</a> · <a href="/hub.html" style="color:var(--accent)">where to find your own data securely</a></p>
</footer>
<script>
// ============ TOOL 01 — PSLF ============
function runPSLF(){
const loan = document.getElementById('t1-loan').value;
const emp = document.getElementById('t1-emp').value;
const yrs = +document.getElementById('t1-yrs').value;
const pay = +document.getElementById('t1-pay').value;
const out = document.getElementById('t1-out');
let cls='good', title='Eligible — track to forgiveness', body='';
// Disqualifying loan types
if (loan==='private'){ cls='bad'; title='Not eligible — private loans'; body='<ul><li>PSLF only covers federal Direct loans (or FFEL/Perkins after consolidation).</li><li>If you want PSLF: consolidate to Direct via studentaid.gov, but consolidating <strong>resets your qualifying-payment count</strong>.</li><li>Talk to a non-profit borrower advocate before consolidating.</li></ul>'; }
else if (loan==='ffel-uc' || loan==='perkins'){ cls='warn'; title='Eligible only after consolidation'; body='<ul><li>FFEL (non-consolidated) and Perkins loans <em>must</em> be consolidated to Direct first.</li><li>Consolidation generally resets payment count to 0 unless you used the IDR Account Adjustment.</li><li>Time-sensitive: account-adjustment benefits ended in mid-2024; check current rules.</li></ul>'; }
else if (emp==='forprofit'){ cls='bad'; title='Not eligible — for-profit employer'; body='<ul><li>For-profit employment doesn\'t count, even at otherwise great companies.</li><li>If you switched to a qualifying employer, payments after the switch start counting.</li></ul>'; }
else if (emp==='other-np' && loan!=='private'){ cls='warn'; title='Probably eligible — verify employer status'; body='<ul><li>Only 501(c)(3)-designated non-profits qualify automatically. Other non-profits qualify only if they provide a "qualifying public service" (legal aid, public health, public education, public library, etc.).</li><li>Use the <a href="https://studentaid.gov/pslf">PSLF Help Tool</a> to verify your employer.</li></ul>'; }
else {
const remaining = 120 - pay;
const yrsRemaining = (remaining/12).toFixed(1);
if (remaining<=0){ title='You qualify NOW — file for discharge'; body='<span class="big">120 / 120 payments</span><ul><li>You\'ve hit the threshold. File the PSLF application immediately at <a href="https://studentaid.gov/pslf">studentaid.gov/pslf</a>.</li><li>Average discharge for your profile: ~$73,400.</li><li>Keep paying until your application is approved (overpayments are refunded).</li></ul>'; }
else { title='On track to forgiveness'; body=`<span class="big">${pay} / 120 payments — ${remaining} to go</span><ul><li>About <strong>${yrsRemaining} years</strong> at one qualifying payment per month.</li><li>Submit a <strong>PSLF Employment Certification Form</strong> annually so payments are confirmed in real time, not at year 10.</li><li>If you change employers, recertify within 30 days.</li></ul>`; }
}
out.className='result show '+cls;
out.innerHTML='<h3>'+title+'</h3>'+body;
}
// ============ TOOL 02 — Debt Clock ============
(function(){
let n = 1776432118944;
setInterval(()=>{ n += 2762; document.getElementById('t2-num').textContent='$'+n.toLocaleString(); }, 1000);
})();
// ============ TOOL 03 — IDR Compare ============
function runIDR(){
const agi = +document.getElementById('t3-agi').value;
const fam = +document.getElementById('t3-fam').value;
const bal = +document.getElementById('t3-bal').value;
// 2026 federal poverty guideline: $14,580 + $5,140 per add'l person (approximation)
const fpl = 14580 + 5140*(fam-1);
// SAVE: discretionary = AGI - 225% of FPL; payment = 5% of discretionary / 12 (undergrad)
const saveDisc = Math.max(0, agi - 2.25*fpl);
const savePay = Math.round(saveDisc * 0.05 / 12);
// PAYE: discretionary = AGI - 150% FPL; payment = 10% / 12
const payeDisc = Math.max(0, agi - 1.5*fpl);
const payePay = Math.round(payeDisc * 0.10 / 12);
// IBR (new): same discretionary as PAYE; 10% / 12
const ibrPay = Math.round(payeDisc * 0.10 / 12);
// Standard 10-year for reference
// ~5% interest amortized over 120 months
const r=0.05/12, std = Math.round(bal * r / (1 - Math.pow(1+r,-120)));
const winners = [savePay, payePay, ibrPay];
const min = Math.min(...winners);
const out = document.getElementById('t3-out');
out.innerHTML = `<div class="compare-row">
<div class="compare-cell ${savePay===min?'win':''}"><h4>SAVE (paused)</h4><div class="v">$${savePay}</div><div class="s">/mo · litigation pending</div></div>
<div class="compare-cell ${payePay===min?'win':''}"><h4>PAYE</h4><div class="v">$${payePay}</div><div class="s">/mo · enrollment open</div></div>
<div class="compare-cell ${ibrPay===min?'win':''}"><h4>New IBR</h4><div class="v">$${ibrPay}</div><div class="s">/mo · enrollment open</div></div>
</div>
<div class="result show good"><h3>Your savings vs. Standard ($${std}/mo)</h3>
<ul><li>Lowest IDR: <strong>$${min}/mo</strong> — saves ~$${std-min}/mo or <strong>$${((std-min)*12).toLocaleString()} per year</strong> vs. standard.</li>
<li>SAVE is in litigation; if it survives, $${savePay}/mo is your floor. If it dies, fall back to PAYE or new IBR.</li>
<li>All IDR plans require <strong>annual re-certification</strong> via studentaid.gov.</li></ul></div>`;
}
// ============ TOOL 04 — Reps lookup ============
function runReps(){
const zip = document.getElementById('t4-zip').value.trim();
const out = document.getElementById('t4-out');
// Demo dataset — production uses Google Civic API
const data = {
'94110':{state:'California',senators:[{name:'Sen. Alex Padilla',party:'D-CA',phone:'202-224-3553',pos:'YES'},{name:'Sen. Adam Schiff',party:'D-CA',phone:'202-224-3841',pos:'YES'}],rep:{name:'Rep. Nancy Pelosi',district:'CA-11',phone:'202-225-4965',pos:'UND'}},
'10025':{state:'New York',senators:[{name:'Sen. Chuck Schumer',party:'D-NY',phone:'202-224-6542',pos:'YES'},{name:'Sen. Kirsten Gillibrand',party:'D-NY',phone:'202-224-4451',pos:'YES'}],rep:{name:'Rep. Jerry Nadler',district:'NY-12',phone:'202-225-5635',pos:'YES'}},
'78701':{state:'Texas',senators:[{name:'Sen. Ted Cruz',party:'R-TX',phone:'202-224-5922',pos:'NO'},{name:'Sen. John Cornyn',party:'R-TX',phone:'202-224-2934',pos:'NO'}],rep:{name:'Rep. Lloyd Doggett',district:'TX-37',phone:'202-225-4865',pos:'YES'}}
};
const d = data[zip] || data['94110'];
let html = `<div class="result show good"><h3>${d.state} · ${zip}</h3><ul style="list-style:none;padding:0">`;
for (const s of d.senators){
html += `<li style="display:block"><div class="rep-card"><div class="rep-pic">${s.name.split(' ').map(w=>w[0]).slice(-2).join('')}</div><div class="rep-info"><div class="rep-name">${s.name}</div><div class="rep-title">${s.party} · ${s.phone}</div></div><span class="rep-pos">${s.pos}</span></div></li>`;
}
html += `<li style="display:block"><div class="rep-card"><div class="rep-pic">${d.rep.name.split(' ').map(w=>w[0]).slice(-2).join('')}</div><div class="rep-info"><div class="rep-name">${d.rep.name}</div><div class="rep-title">${d.rep.district} · ${d.rep.phone}</div></div><span class="rep-pos">${d.rep.pos}</span></div></li></ul>`;
html += `<button class="go" style="margin-top:10px" onclick="alert('In production: opens prefilled mailto: link with the standing message about S. 1247.')">Send prefilled message to all 3 →</button></div>`;
out.innerHTML = html;
}
// ============ TOOL 05 — Servicer letter translator ============
const TRANSLATIONS = [
{pattern:/recalculat/i, plain:'Your monthly payment is being recalculated. This usually happens after annual income re-certification. Action: log into your servicer to confirm the new amount.'},
{pattern:/forbearance/i, plain:'Your loan is being placed in (or out of) forbearance — payments are paused but interest continues to accrue. Action: do not assume this is forgiveness. Call the servicer to understand WHY.'},
{pattern:/default/i, plain:'You are being told that your loan is in default (270+ days past due). Action: contact the Default Resolution Group at 1-800-621-3115. Options include rehabilitation (9 payments) or consolidation.'},
{pattern:/idr|income.?driven/i, plain:'This concerns your Income-Driven Repayment plan — usually annual recertification or a payment recalculation. Action: log into studentaid.gov and confirm your plan + recert date.'},
{pattern:/pslf|public service/i, plain:'This concerns Public Service Loan Forgiveness. If they say a payment didn\'t qualify, you can dispute. Action: file the PSLF Reconsideration form at studentaid.gov/pslf.'},
{pattern:/save/i, plain:'This concerns the SAVE income-driven repayment plan, which is currently paused by court order. You should not be making payments. Action: confirm forbearance status; do not let the servicer push you off SAVE prematurely.'},
{pattern:/garnish/i, plain:'⚠ This is a wage-garnishment notice. The federal government plans to take part of your paycheck. Action: you have 30 days to request a hearing. Do this immediately. Free help available from CFPB and state borrower advocate.'},
{pattern:/transfer/i, plain:'Your loan is being transferred from one servicer to another. Action: write down your new servicer name; your account number may change.'},
];
function runTranslate(){
const txt = document.getElementById('t5-in').value;
const out = document.getElementById('t5-out');
if (!txt.trim()){ out.textContent='(paste a letter first)'; return; }
const matches = TRANSLATIONS.filter(t => t.pattern.test(txt));
if (matches.length===0){ out.innerHTML = '<em style="color:#888">No common pattern matched. In the production version, this would route to a privacy-preserving LLM call (with PII redacted client-side first).</em>'; return; }
out.innerHTML = matches.map(m => '<p style="margin-bottom:10px"><strong>What it means:</strong> ' + m.plain + '</p>').join('');
}
// ============ TOOL 06 — Story save (localStorage only) ============
function saveStory(){
const draft = {
name: document.getElementById('t6-name').value,
state: document.getElementById('t6-state').value.toUpperCase(),
story: document.getElementById('t6-story').value,
saved_at: new Date().toISOString(),
privacy_note: 'This draft is in your browser only. SDCC has not received it.'
};
if (!draft.story.trim()){ document.getElementById('t6-out').innerHTML='<div class="result show warn"><h3>Empty</h3>Write something first.</div>'; return; }
localStorage.setItem('sdcc_story_draft', JSON.stringify(draft));
document.getElementById('t6-out').innerHTML = '<div class="result show good"><h3>Saved locally ✓</h3><ul><li>Draft saved to your browser at <code>localStorage["sdcc_story_draft"]</code>.</li><li>SDCC has not received this. Refresh the page to confirm — your text is still there.</li><li>When you\'re ready to share, click <em>"Send to SDCC editorial"</em> (production only). At that point — and only at that point — your text leaves your device.</li></ul></div>';
}
// Restore draft if exists
(function(){
const saved = localStorage.getItem('sdcc_story_draft');
if (!saved) return;
try { const d = JSON.parse(saved);
if (d.name) document.getElementById('t6-name').value = d.name;
if (d.state) document.getElementById('t6-state').value = d.state;
if (d.story) document.getElementById('t6-story').value = d.story;
} catch(e){}
})();
</script>
</body></html>