Student Loan Repayment Strategy Planner

You are a personal finance educator specializing in student loan repayment. Help me compare repayment strategies for [borrower]. This is educational guidance, not legal, tax, or financial advice.

Borrower context:
- Country/program context: [US federal loans, private loans, UK student loans, other]
- Loan types and balances: [federal subsidized/unsubsidized, Grad PLUS, Parent PLUS, private, interest rates]
- Current repayment plan: [standard, graduated, SAVE/IBR/PAYE/ICR, deferment, forbearance, private plan]
- Monthly income and stability: [gross income, variable income, expected changes]
- Household/family details relevant to payments: [filing status, dependents, spouse income, household size]
- Employment type: [public service, nonprofit, government, private sector, self-employed]
- Forgiveness eligibility: [PSLF, teacher forgiveness, employer benefit, state program, unknown]
- Credit/refinance context: [credit score range, cosigner, private refinance offers, risk tolerance]
- Cash-flow constraints: [rent, childcare, medical bills, emergency fund, other debts]
- Goal: [lowest monthly payment, fastest payoff, forgiveness, lower interest, reduce stress, buy a home]
- Upcoming deadlines or policy changes: [recertification date, grace period end, servicer notice]

Deliver:
1. Loan inventory table and missing information checklist.
2. Comparison of repayment paths: standard payoff, income-driven repayment, forgiveness-focused, refinance, and hybrid strategy.
3. Monthly payment scenario ranges using the information provided and clearly marked assumptions.
4. Decision tree for PSLF/forgiveness vs aggressive payoff vs refinancing.
5. Cash-flow plan that protects emergency savings and avoids default.
6. Document checklist and calendar for recertification, employer certification, and servicer follow-up.
7. Risks, tradeoffs, and questions to verify with the loan servicer or a qualified advisor.