# Get a clear date you'll be free of student loans

> You see the exact month you're done, and how much sooner one extra 50 a month gets you there.

List each loan's balance, rate and minimum payment. AI builds a payoff plan with a free-by date, shows what an extra payment would save, and lists the questions to ask your loan servicer.

- Page: https://thesolocreators.com/prompts/student-loan-payoff-plan/
- Category: Handle life admin fast
- Made for: Everyone
- Works in: Perplexity, Claude, ChatGPT, Gemini
- Time: About 10 minutes
- Effort: A few steps
- Note: Linking accounts uses Perplexity Computer's Personal CFO on a paid plan. Typing your numbers works on any free plan.

## The prompt

Fill in the parts in [square brackets], or leave them and the AI will ask you for them.

```text
Help me build a simple plan to pay off my student loans. Don't give me financial advice, just do the math clearly and show your work.

My loans (balance, interest rate, minimum payment): [YOUR LOANS, e.g. 18,400 at 5.5%, min 210]
Extra I could pay each month: [EXTRA PER MONTH, e.g. 75]

1. Show my free-by date if I only pay the minimums.
2. Compare two orders for the extra money: highest rate first, and smallest balance first. Show the free-by date and total interest for each in a small table.
3. Show how much sooner I'd finish with 50 or 100 more a month.
4. Give me a one-page monthly checklist I can follow.
5. List four questions to ask my loan servicer, like repayment plan options or forgiveness programs, so I can check the details with them.
```

## Step by step

1. Log in to your loan servicer and note each loan's balance, rate and minimum
2. Open Perplexity, Claude, ChatGPT or Gemini and paste the prompt
3. Fill in your loans and what extra you could pay each month
4. Save the plan and set a reminder to update it every few months

## What you'll get

Your free-by date, a side-by-side of two payoff orders with total interest, the effect of paying a bit more, a monthly checklist and questions for your servicer.

## Good to know

**Which AI tools does this work in?** It works in Perplexity, Claude, ChatGPT and Gemini. On this page, Claude and ChatGPT open with your prompt already typed in. Linking accounts uses Perplexity Computer's Personal CFO on a paid plan. Typing your numbers works on any free plan.

**How long does it take?** About 10 minutes. It's rated "A few steps". There are 4 steps, listed above.

**What do I need before I start?** Just your details for 2 blanks: your loans and extra per month. You can skip any, and your AI will ask for them.

**What will I get back?** Your free-by date, a side-by-side of two payoff orders with total interest, the effect of paying a bit more, a monthly checklist and questions for your servicer.

Idea spotted on the web, shared by Plaid: https://plaid.com/customer-stories/perplexity/. The prompt is The Solo Creators' own version.

## Go further

Ready-made skills in the Solo Creators AI Studio (https://thesolocreators.com/studio/) that fit this: TLDR (Your AI stops writing walls of text: every reply leads with the next action, numbered and skimmable); Second Brain (Give your AI a memory it reads across every project, so it finally knows your business).

From AI Use Cases and Prompts by The Solo Creators: https://thesolocreators.com/prompts/. Free to use; please link back to the page when you share it.