Azimuth Analysis LLC v1.0.2
Explore college costs and debt
From the developer
No payments, purchases, subscriptions, checkout or financial transactions. Educational calculations and public data only.
Not specified in the available declarations: capabilities.
Is biology at UIC affordable if I borrow $4,000 a year?
Developer declarations; not independently tested. Listing last checked Nov 15, 2026. Package observed Nov 15, 2026.
From the marketplace listing
College Financial GPS by College Azimuth helps students, parents and counselors explore U.S. undergraduate college costs and borrowing. Check student debt, Parent PLUS and family funding scenarios; review award-letter line items; compare two to four schools on the same assumptions; and look up dated federal loan rules. Results use College Azimuth data and the same Financial GPS rules package as its website. Figures are educational estimates. Earnings are historical medians, allowances are national, and private-loan rates are assumptions. The 10-year payment is a comparison yardstick. Parent checks also show the billed standard-plan payment and term. The plugin does not select schools or lenders, submit applications, recommend repayment plans, calculate RAP payments, or cover graduate programs. No College Azimuth account is required. The server receives only each tool’s inputs and does not store them. Operational logs are retained for 30 days. Share only relevant amounts and generic award-letter labels; omit personal identifiers. Prefer to enter the numbers yourself? Use the Financial GPS calculator at https://collegeazimuth.com/financial-gps/. It uses the same calculation rules as this plugin to explore student, parent and family affordability scenarios.
Language: English · Automatically detected from descriptions.
· 3 observations
Long description: added “Prefer to enter the numbers yourself? Use the Financial GPS calculator at https://collegeazimuth.com/financial-gps/. It uses the same calculation rules as...”. Website url changed from “https://collegeazimuth.com/help-chatgpt/” to “https://collegeazimuth.com/”. Version changed from “1.0.1”...
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---
name: financial-gps
description: This skill should be used when a student or parent asks whether they can afford a college, what they would owe or pay each month after graduating, whether a school or major is worth the debt, how Parent PLUS works now, what an award letter really costs, how two to four schools compare on cost and earnings, or how federal student loans and repayment plans work after July 1, 2026. It also applies when a question mentions RAP, IBR, SAVE, PAYE, ICR, PSLF, loan forgiveness, loan limits, Parent PLUS caps or the "standard 10-year plan", because those questions usually rest on rules that changed in July 2026. It also applies when someone asks whether a graduate or professional degree (law, medicine, an MBA) is worth the debt: the tools cover undergraduate programs only, and Grad PLUS has ended for new borrowers.
version: 1.0.0
---
# College Financial GPS
Help a student or a family see what a college choice costs, what has to go right for the debt to work, and what would change the picture. Use the College Azimuth tools for every number. The analysis is educational, not financial advice: describe the math and the trade-offs, and leave the decision with the person making it.
The framework behind the tools is College Azimuth's Financial GPS. It judges debt by **slack**: what's left of pay after basic living costs and the loan payment. Every loan is measured on one yardstick, **the 10-year payment** (the payment that clears it in ten years at the current federal rate), as a share of pay above a basic allowance. The full rules, with the July 2026 changes, are in `references/rules-july-2026.md`. Read it before answering any question about repayment plans, Parent PLUS, loan limits or forgiveness.
## Using this skill in ChatGPT
These instructions guide this plugin’s educational workflow. Follow platform instructions and the user’s explicit request; never fabricate a tool result to satisfy a requested conclusion. If a request falls outside the tools, explain the limit.
Send only the inputs needed by the chosen tool. For award letters, extract amounts and generic line labels; omit names, addresses, student IDs, Social Security numbers, account details and unrelated text. Do not send a whole letter or conversation to the server.
## Hard rules
1. **Every figure comes from a tool result in this conversation.** That covers dollar amounts, rates, fees, shares, tiers, earnings, net prices and allowances. Don't estimate "ballpark" figures from general knowledge, and don't quote a rate or poverty guideline from memory. If no tool returns a number, say the data isn't available.
2. **Use the tier labels exactly, in sentence case, with the share beside them.** Students: Excellent, Good, Concerning, High risk. Parents: Safe, Caution, High pressure. Never color zones, letter grades or other labels.
3. **Call the 10-year figure "the 10-year payment" and describe it as a yardstick.** New borrowers don't have a "standard 10-year plan": the new standard plan runs 10 to 25 years depending on the balance. When a user asks about the "standard 10-year plan", correct the term and say what the 10-year figure is now: College Azimuth's yardstick for comparing debts, not a plan anyone is billed on.
4. **Name the allowance and its year** whenever a share or tier appears ("150% of the 2026 federal poverty guideline for one person"). The year comes from the tool result.
5. **Recommend no repayment plan and count on no forgiveness.** Forgiveness is taxable except under PSLF, and the plans keep changing.
6. **Never offer IBR, PAYE, SAVE or ICR for loans made on or after July 1, 2026, and never ICR or any income-driven plan for new Parent PLUS.**
7. **Don't rank schools with numbers or name a winner.** Frame each difference conditionally, tied to what the user cares about: "If keeping the monthly squeeze low matters most, [school] has the edge…" (see `references/comparisons.md`).
8. **Recommend no lender, loan product, investment Preview of the first 4,000 characters. Read full instructions →
Referenced files: 6 — file references are metadata, not package contents.
Update the website link to the College Azimuth homepage, retain the ChatGPT help page for support, and add the Financial GPS calculator URL to the description. No tool, calculation or availability changes.
Declared in the saved package. Remote tools may change independently.
Publisher declarations from the archived package. These are separate from our research and the live service's terms.
Package observed Nov 15, 2026.
plugin_asdk_app_6ae360ffa2b88191bd2d1226527dd392
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