PSLF CLOCK
Calculate the after-tax pay increase required to justify leaving a modeled forgiveness path.
LAWYERS
Price the legal-career branch you are actually choosing.
Public service, firm employment, and partnership are different financial systems. Compare the actual debt clock, compensation probability, hours, and ownership economics—not the prestige label.
THIS PAGE DOES THE WORK
PSLF stay-or-leave · offer reality · partnership buy-in
LIVE WORKBENCH
Enter the facts. Get the decision.
Your entries and latest result save on this device first and can sync only through an optional Cockpit account. Load the example if you want to see the engine work before using your numbers.
CAREER MONEY ENGINES
Choose the decision in front of you.
Each module uses different inputs and different math. Nothing here is a renamed checklist.
OFFER REALITY
Compare guaranteed and probability-adjusted compensation per actual hour.
PARTNERSHIP
Test whether distributions repay the buy-in and beat the salaried alternative.
WHAT CAN BREAK THE RESULT
Do not let a missing fact quietly become zero.
Bonus is not base pay
A nominally larger offer can lose after payout probability, required hours, benefits, and unreimbursed costs.
PSLF depends on verified facts
Eligible Direct Loans, qualifying employment, and payment count are hard gates—not assumptions.
Partner income is not a salary
Capital, debt service, tax reserves, cash calls, lost benefits, and exit value belong in the return calculation.
USE THE RESULT NOW
Open the next tool only to test a named assumption.
VERIFY BEFORE COMMITTING
The model is only as good as the contract, portal, or statement behind it.
Use official loan and employer records for PSLF. Have partnership documents, guarantees, restrictive covenants, and departure economics reviewed by qualified legal and tax professionals.