Accessibility Statement
We are committed to ensuring that our Student Loan Repayment Calculator & Payoff Planner is accessible to all users, regardless of ability. Accessibility is not just a feature—it is part of our mission to provide equal financial tools to everyone.
Our Standards
We aim to comply with the Web Content Accessibility Guidelines (WCAG) 2.1 at the AA level. This means providing sufficient color contrast, ensuring all functionality is available via keyboard, and designing content that works with assistive technologies like screen readers.
What We Have Implemented
- Semantic HTML landmarks for navigation (header, main, footer).
- Skip link to jump directly to content.
- Focus indicators for all interactive elements.
- Descriptive labels and alt text for images and icons.
- Responsive design for mobile and desktop users.
Ongoing Improvements
Accessibility is an ongoing effort. We regularly test the site with automated tools and manual checks. We also welcome feedback from users who rely on assistive technology so we can improve further.
Contact Us
If you encounter any accessibility barriers while using this site, please email us at everydayroyalties@gmail.com. We will do our best to respond promptly and resolve any issues.
Last updated: 2025
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Making Online Loan Tools Easier to Use
Everyone interacts with information differently. A few small adjustments can make planning easier.
- Increase font size or zoom until text feels comfortable to read.
- Use browser reader modes or extensions if dense pages feel overwhelming.
- Take breaks between sections instead of trying to absorb everything in one sitting.
- Keep a notebook or notes app nearby so you don’t have to hold everything in your head at once.
Accessibility is about reducing friction so you can focus on what matters.
Your Feedback Can Improve Accessibility
If you notice parts of this site that are hard to use, your observations are valuable.
- Let us know if any labels, contrasts, or focus states are confusing with assistive tech.
- Mention which devices, browsers, or tools (like screen readers) you are using.
- Share examples of pages that feel especially clear or easy to navigate—we can learn from those strengths.
- Suggest small changes that would make a big difference for you personally.
The web becomes more accessible when real users share what they experience.
Choosing an Environment That Supports Focus
Where and how you use this site can shape your experience.
- Work in a space where you feel physically safe and as relaxed as possible.
- Reduce distractions if you can—silence notifications or use “do not disturb” while you plan.
- Consider setting a gentle time limit so sessions don’t stretch on until you’re exhausted.
- Keep water, a snack, or a comfort object nearby if loan planning tends to spike your stress.
Accessibility includes the environment you create for yourself, not just the design on the screen.
Sharing Your Access Needs With Confidence
Whether you are using this site or talking to a servicer, you deserve accessible communication.
- Practice a simple sentence that explains what helps you—larger print, slower pacing, captions, or screen reader compatibility.
- Remember that asking for accessibility is about equal access, not special treatment.
- Document when your needs are or are not being met so you can advocate more effectively.
- Seek out organizations that specialize in disability rights if you feel your needs are ignored.
Your access needs are valid, even if others don’t immediately understand them.
Listening to Your Body While You Plan
Accessibility also includes working in a way that your body can handle.
- Notice physical signs that you are reaching your limit—eye strain, restlessness, tightness.
- Use those signals as cues to pause and reset rather than push through at all costs.
- Experiment with different times of day to find when planning feels most manageable.
- Adjust font size, screen brightness, and posture to support your comfort.
Your body’s feedback is useful information, not an inconvenience.
Building Breaks Into Your Planning Sessions
Accessibility sometimes means honoring your need for rest, not more effort.
- Try setting a timer for 15–25 minutes of focused work, followed by a short break.
- Use breaks to stretch, hydrate, or step away from screens.
- Notice whether shorter, more frequent sessions feel easier than long marathons.
- Adjust your session length based on how your body and mind respond.
Breaks are part of the work, not a distraction from it.
Using Built-In Accessibility Tools
Many devices and browsers include features that can make planning easier.
- Experiment with reader modes that simplify page layouts.
- Try browser zoom, dark mode, or high-contrast themes if they reduce strain.
- Use screen readers or text-to-speech if listening works better than reading.
- Consider using browser extensions that help with focus, such as timers or distraction blockers.
You’re allowed to customize your tools so they truly work for you.
Including Accessibility in Your Support Network
If accessibility is part of your life, it can also be part of how you ask for help.
- Let trusted people know what makes online tasks easier or harder for you.
- Ask friends, family, or support workers to assist with reading, organizing, or calling when needed.
- Look for organizations that specialize in financial education for people with disabilities.
- Document what works well so you can ask for it more confidently in the future.
You deserve support that honors your access needs.
Celebrate What’s Working
Accessibility is not only about barriers; it’s also about recognizing supports that help.
- Notice which tools, layouts, or practices make online planning easier for you.
- Write down specific moments when you felt especially supported or seen.
- Look for ways to recreate those conditions in future planning sessions.
- Share what works for you with others who might benefit from similar approaches.
Recognizing helpful patterns can guide you toward more accessible experiences.
Mix Different Ways of Taking In Information
Accessibility also means honoring how your brain prefers to learn.
- Combine reading with listening by using read-aloud tools or audio notes.
- Turn complex ideas into simple sketches, diagrams, or bullet lists.
- Talk through scenarios with someone else if speaking helps you organize thoughts.
- Experiment until you find the mix of formats that makes planning feel more natural.
There is no one “right” way to understand your loans.
Create an Environment That Supports Focus
Your surroundings can make planning either easier or harder.
- Choose a space with as few distractions as possible, even if it’s just a corner of a room.
- Adjust lighting, seating, and noise levels so your body feels reasonably comfortable.
- Keep only the materials you need for this session within reach.
- Return to the same spot when you can, so your brain starts to associate it with focused work.
A supportive environment can reduce the friction of getting started.
Right-Size the Length of Your Sessions
Different brains and bodies have different limits for focused work.
- Experiment with shorter or longer planning sessions to see what feels sustainable.
- Use timers to create clear start and stop points if that helps.
- Stack two shorter sessions with a break in between instead of one long stretch if needed.
- Trust your lived experience about how long you can focus before you need rest.
Respecting your limits can actually increase your total progress over time.
Set Reminders That Respect Your Pace
Reminders can support you without becoming another source of pressure.
- Choose reminder intervals that match your actual capacity—weekly, monthly, or quarterly.
- Use kind language in your reminders instead of harsh commands.
- Allow yourself to reschedule a reminder if life gets overwhelming.
- Pair reminders with rewards or comforting rituals when possible.
Supportive reminders help you stay engaged without feeling chased.
Break Big Tasks Into Multiple Sessions
Anything that feels overwhelming can often be divided into smaller pieces.
- Split complex tasks—like exploring a new repayment plan—into research, note-taking, and decision days.
- Give each session a single purpose instead of trying to do everything at once.
- End each session by writing down exactly what you’ll do next time.
- Let your plan evolve as you learn, instead of expecting perfect clarity upfront.
Small, well-defined steps make it easier to keep moving at your own pace.