Manim Video Production
browser-use/video-use
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Decide what the extra money does about student loans — attack them, invest alongside them, or ride a forgiveness track — with the three paths simulated on your actual loans and the…
MITAuto-check passed
Install Student Loan Strategy
$ npx skills add mohitagw15856/pm-claude-skills --skill student-loan-strategy -a claude-codeProject install by default; add -g for ~/.claude/skills/.
$ gh skill install mohitagw15856/pm-claude-skills student-loan-strategy --agent claude-codeProject scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/student-loan-strategy .claude/skills/student-loan-strategy && rm -rf skills-srcUse ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.
Claude Code skills documentation · loads skills from .claude/skills/
Install the "student-loan-strategy" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/student-loan-strategy into .claude/skills/student-loan-strategy/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "student-loan-strategy", then confirm the skill loads.Claude Code copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$skill-installer install https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/student-loan-strategyType this inside Codex. $skill-installer <name> installs a curated skill from openai/skills. The installer writes to $CODEX_HOME/skills (default ~/.codex/skills). Restart Codex if the skill does not show up.
$ npx skills add mohitagw15856/pm-claude-skills --skill student-loan-strategy -a codexProject install goes to .agents/skills/; add -g for ~/.codex/skills/.
$ gh skill install mohitagw15856/pm-claude-skills student-loan-strategy --agent codexProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .agents/skills && cp -r skills-src/skills/student-loan-strategy .agents/skills/student-loan-strategy && rm -rf skills-srcUse ~/.agents/skills/ instead of .agents/skills for a personal install.
Codex skills documentation · loads skills from .agents/skills/
Install the "student-loan-strategy" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/student-loan-strategy into .agents/skills/student-loan-strategy/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "student-loan-strategy", then confirm the skill loads.Codex copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add mohitagw15856/pm-claude-skills --skill student-loan-strategy -a cursorProject install goes to .agents/skills/; add -g for ~/.cursor/skills/.
$ gh skill install mohitagw15856/pm-claude-skills student-loan-strategy --agent cursorProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .cursor/skills && cp -r skills-src/skills/student-loan-strategy .cursor/skills/student-loan-strategy && rm -rf skills-srcUse ~/.cursor/skills/ instead of .cursor/skills for a personal install.
Cursor skills documentation · loads skills from .cursor/skills/, .agents/skills/, .claude/skills/, .codex/skills/
Install the "student-loan-strategy" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/student-loan-strategy into .cursor/skills/student-loan-strategy/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "student-loan-strategy", then confirm the skill loads.Cursor copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gemini skills install https://github.com/mohitagw15856/pm-claude-skills.git --path skills/student-loan-strategy--scope user (default) or --scope workspace; --path is the subfolder of the repo that holds the skill; --consent skips the security confirmation prompt.
$ npx skills add mohitagw15856/pm-claude-skills --skill student-loan-strategy -a gemini-cliProject install goes to .agents/skills/; add -g for ~/.gemini/skills/.
$ gh skill install mohitagw15856/pm-claude-skills student-loan-strategy --agent gemini-cliProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .gemini/skills && cp -r skills-src/skills/student-loan-strategy .gemini/skills/student-loan-strategy && rm -rf skills-srcUse ~/.gemini/skills/ instead of .gemini/skills for a personal install, then run /skills reload.
Gemini CLI skills documentation · loads skills from .gemini/skills/, .agents/skills/
Install the "student-loan-strategy" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/student-loan-strategy into .gemini/skills/student-loan-strategy/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "student-loan-strategy", then confirm the skill loads.Gemini CLI copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gh skill install mohitagw15856/pm-claude-skills student-loan-strategyInstalls for Copilot at project scope by default; add --scope user for a personal install. Preview a skill first with gh skill preview. Needs GitHub CLI 2.90.0 or later (public preview).
$ npx skills add mohitagw15856/pm-claude-skills --skill student-loan-strategy -a github-copilotProject install goes to .agents/skills/; add -g for ~/.copilot/skills/.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .github/skills && cp -r skills-src/skills/student-loan-strategy .github/skills/student-loan-strategy && rm -rf skills-srcUse ~/.copilot/skills/ instead of .github/skills for a personal install. Commit .github/skills so cloud agent and code review can use it.
GitHub Copilot skills documentation · loads skills from .github/skills/, .claude/skills/, .agents/skills/
Install the "student-loan-strategy" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/student-loan-strategy into .github/skills/student-loan-strategy/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "student-loan-strategy", then confirm the skill loads.GitHub Copilot copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add mohitagw15856/pm-claude-skills --skill student-loan-strategy -a opencodeOpenCode documents no install command of its own. Project install goes to .agents/skills/; add -g for ~/.config/opencode/skills/.
$ gh skill install mohitagw15856/pm-claude-skills student-loan-strategy --agent opencodeProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .opencode/skills && cp -r skills-src/skills/student-loan-strategy .opencode/skills/student-loan-strategy && rm -rf skills-srcUse ~/.config/opencode/skills/ instead of .opencode/skills for a personal install.
OpenCode skills documentation · loads skills from .opencode/skills/, .claude/skills/, .agents/skills/
Install the "student-loan-strategy" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/student-loan-strategy into .opencode/skills/student-loan-strategy/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "student-loan-strategy", then confirm the skill loads.OpenCode copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
Facts
- Skill name
student-loan-strategy- GitHub stars
- 1.4k
- Token cost
- ~1.5k tokens
- SKILL.md length
- 741 words
- Files
- 2 (incl. scripts)
- Skills in repo
- 1,348
- Repo updated
- First seen
- Licence
- MIT
At a glance
Decide what the extra money does about student loans — attack them, invest alongside them, or ride a forgiveness track — with the three paths simulated on your actual loans and the…
- Works in 5 steps: APR vs. assumed return is the whole… → The split strategy is usually the adult… → Forgiveness tracks invert the logic: on… → …
- Asked should I pay off my student loans faster
- SKILL.md covers What This Skill Produces, Required Inputs, Programmatic Helper and Framework: The Allocation Rules, plus 7 more sections
- Runs Python scripts from its folder; calls python3
What it does
Student Loan Strategy is an agent skill from mohitagw15856/pm-claude-skills. Decide what the extra money does about student loans — attack them, invest alongside them, or ride a forgiveness track — with the three paths simulated on your actual loans and the guaranteed-vs-assumed framing kept honest. Use when asked should I pay off my student loans faster, pay loans or invest, is my forgiveness track worth it, or model my student debt. Produces the three-path comparison from the script, the guaranteed-return framing, the forgiveness-track math with its warnings, and the decision sheet.
Its SKILL.md is about 1.5k tokens, which your agent loads only when the skill is triggered. The skill folder holds 2 other files, including scripts (for example `scripts/student_loan_strategy.py`).
The repository describes itself as: 1255 professional Agent Skills for Claude, ChatGPT, Gemini, Cursor & Codex — PRDs, postmortems, leases, medical bills, layoffs, go-bags, new countries. Plain markdown, MIT, in… The licence is MIT.
When your agent uses it
- Asked should I pay off my student loans faster
- Is my forgiveness track worth it
- Model my student debt
Example prompts
- “/student-loan-strategy”
Requirements
- Python 3
Workflow steps
5 steps, taken from the first numbered list in SKILL.md.
- APR vs. assumed return is the whole comparison, framed honestly: paying a 6.8% loan is a guaranteed, tax-free-ish 6.8%; the market's 6% is…
- The split strategy is usually the adult answer: attack the high-APR loan while investing enough to capture any employer match (the match…
- Forgiveness tracks invert the logic: on a credible track, extra payments reduce the discharge — the strategy becomes minimize payments…
- Cash-flow relief is a real return: killing a $410 minimum frees $410/month of mandatory obligation — worth something beyond the interest…
- Refinancing is a one-way door, named not walked: refinancing federal loans to a lower private rate trades away income-driven options and…
What it can do on your machine
Read from SKILL.md and the folder at commit 1cbf1f0. It shows what the files ask for, not the result of running them.
Tool permissions
Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.
From allowed-tools in the SKILL.md frontmatter.
Runs code
Ships 1 file in scripts/ (Python), which the agent can run.
Shell commands in SKILL.md call:
python3
From the folder's file list and the shell code blocks in SKILL.md.
Network
No URLs in SKILL.md.
From URLs in SKILL.md, links to its own repository left out.
Credentials
Names no API keys, tokens, secrets or passwords.
From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.
Context cost
Student Loan Strategy loads about 1.5k tokens when it runs. Until then it costs about 134 tokens; SKILL.md has 741 words of instructions outside code blocks.
Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.
Safety
Auto-check passed
The automated check found no risky patterns in SKILL.md.
Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); the scripts in this folder are not scanned.
SKILL.md
The full file from mohitagw15856/pm-claude-skills at commit 1cbf1f0, republished under its MIT licence (© mohitagw15856). 741 words, ~1,520 tokens.
Download SKILL.mdSave it as
.claude/skills/student-loan-strategy/SKILL.md (or your agent's skills folder). This skill also uses 1 other file; get the full folder from GitHub.- name
- student-loan-strategy
- description
- Decide what the extra money does about student loans — attack them, invest alongside them, or ride a forgiveness track — with the three paths simulated on your actual loans and the guaranteed-vs-assumed framing kept honest. Use when asked should I pay off my student loans faster, pay loans or invest, is my forgiveness track worth it, or model my student debt. Produces the three-path comparison from the script, the guaranteed-return framing, the forgiveness-track math with its warnings, and the decision sheet.
Student Loan Strategy Skill
The student-loan question is really an allocation question: the same $400/month can attack the balances (a guaranteed return equal to the weighted APR), sit in investments (a higher assumed return with risk attached), or — on a forgiveness track — do active damage, since extra payments shrink the amount that would have been forgiven. The right answer depends on the APRs, the program, and the person's risk temperament, and the honest move is simulating all three on the actual loans and naming which assumptions carry the conclusion.
What This Skill Produces
- The three-path comparison — attack / minimums-plus-invest / forgiveness-ride, from the script, on the real loans
- The honest framing — guaranteed APR vs. assumed return, stated as the different things they are
- The forgiveness math — what riding costs, what gets discharged, and the extra-payments-hurt-here warning
- The decision sheet — the numbers plus the non-model factors (risk temperament, cash-flow relief, program-trust), position taken
Required Inputs
Ask for these if not provided:
- Every loan — balance, APR, minimum (federal vs. private noted: forgiveness and income-driven options generally attach to federal only — flagged jurisdiction/program-specific)
- The extra amount — the real monthly number in play
- Forgiveness status — on a track (employment-based, income-driven horizon)? Months remaining and the program named; not on one? The branch disappears honestly
- The temperament — how they'd feel about market losses while carrying debt; it's a legitimate input, not noise
Programmatic Helper
python3 scripts/student_loan_strategy.py --loan "grad:38000:6.8:410" --loan "undergrad:12000:4.5:130" --extra 400
python3 scripts/student_loan_strategy.py --loan "fed:52000:6.2:560" --extra 300 --forgiveness-months 84 --jsonDeterministic. Attack = avalanche; invest = extra compounding at the assumed return until natural payoff; forgiveness = minimums to the horizon with the remainder shown as discharged (program rules verify-required).
Framework: The Allocation Rules
- APR vs. assumed return is the whole comparison, framed honestly: paying a 6.8% loan is a guaranteed, tax-free-ish 6.8%; the market's 6% is an assumption with variance. High-APR loans (7%+) make attacking nearly unbeatable; low-APR loans (3–4%) make investing genuinely competitive — the script's weighted APR is the pivot number.
- The split strategy is usually the adult answer: attack the high-APR loan while investing enough to capture any employer match (the match outranks everything — it's an instant 50–100%); the pure strategies are cleaner in spreadsheets than in lives.
- Forgiveness tracks invert the logic: on a credible track, extra payments reduce the discharge — the strategy becomes minimize payments within the rules and bank the extra elsewhere. The two warnings ride along verbatim: program rules change and eligibility has failure modes (verify with the servicer, keep the paper trail), and the discharged amount may have tax treatment (jurisdiction-specific — flag it).
- Cash-flow relief is a real return: killing a $410 minimum frees $410/month of mandatory obligation — worth something beyond the interest math when income is volatile; the decision sheet prices it in words.
- Refinancing is a one-way door, named not walked: refinancing federal loans to a lower private rate trades away income-driven options and forgiveness eligibility permanently — the skill flags when the math tempts that direction and routes the decision to proper research, not a footnote.
Show full SKILL.md (256 more words)Show less
Output Format
Student Loan Strategy: [N] loans, [total] — extra [amount]/mo
The Three Paths
[Script output: attack vs. minimums+invest vs. forgiveness-ride]
The Honest Frame
[Weighted APR vs. assumed return, in one paragraph — which path the numbers favor and how sensitive that is to the return assumption]
The Decision Sheet
Match captured first: [yes/no — fix first if no] · Temperament: [their words, weighed] · Cash-flow value of payoff: [named] · Forgiveness trust level: [if applicable] · The read: [a position with reasoning]
Program rules, tax treatment, and refinancing consequences are jurisdiction- and program-specific — verify with the servicer and a professional before acting. Educational model, not financial advice.
Quality Checks
- All three paths (or two, honestly, if no forgiveness track) are simulated on the real loans
- Guaranteed vs. assumed is framed explicitly, never blended
- The employer-match check happens before any other allocation
- Forgiveness branches carry both warnings verbatim-in-spirit
- The read takes a position and names its hostage assumption
Anti-Patterns
- Do not compare APR to assumed returns as equals — one is guaranteed, and the framing is the product
- Do not recommend extra payments on a credible forgiveness track — the math inverts and the skill must too
- Do not skip the match — allocating around free money is malpractice-by-spreadsheet
- Do not push refinancing federal loans from inside a calculator — one-way doors get named and routed
- Do not moralize debt urgency — a 3.5% loan is cheap money and saying so is honesty, not heresy
Example Trigger Phrases
- "Should I pay off my student loans faster?"
- "Pay loans."
- "Is my forgiveness track worth it?"
- "Model my student debt."
© mohitagw15856, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file
Files
SKILL.md and 1 other file (scripts) in skills/student-loan-strategy of mohitagw15856/pm-claude-skills.
- SKILL.md
- scripts/student_loan_strategy.py
Open the folder on GitHubat commit 1cbf1f0
Compare with similar skills
Student Loan Strategy next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.
| Skill | Stars | Used in | Tokens | Auto-check | Licence | Repo updated |
|---|---|---|---|---|---|---|
| Student Loan Strategy this skillmohitagw15856/pm-claude-skills | 1.4k | — | ~1.5k | Automated safety check: Pass | MIT | |
| Manim Video Productionbrowser-use/video-use | 29k | 6 repos | ~3k | Automated safety check: Pass | MIT | |
| Logseq Review Workflow Evallogseq/logseq | 45k | — | ~1k | Automated safety check: Pass | AGPL-3.0 | |
| Baoyu URL To Markdownsdyckjq-lab/llm-wiki-skill | 2.5k | 2 repos | ~3.2k | Automated safety check: Pass | None | |
| DeepTutor CLIHKUDS/DeepTutor | 41k | — | ~2.8k | Automated safety check: Pass | Apache-2.0 | |
| Obsidian CLIAtmosphere/atmosphere | 3.8k | 13 repos | ~795 | Automated safety check: Pass | Apache-2.0 |
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Questions about Student Loan Strategy
What does Student Loan Strategy do?
Decide what the extra money does about student loans — attack them, invest alongside them, or ride a forgiveness track — with the three paths simulated on your actual loans and the…. Student Loan Strategy is an agent skill from mohitagw15856/pm-claude-skills. Decide what the extra money does about student loans — attack them, invest alongside them, or ride a forgiveness track — with the three paths simulated on your actual loans and the guaranteed-vs-assumed framing kept honest.
When should I use Student Loan Strategy?
Student Loan Strategy fits situations like: asked should I pay off my student loans faster; is my forgiveness track worth it; model my student debt.
How do I install Student Loan Strategy in Claude Code?
Run `npx skills add mohitagw15856/pm-claude-skills --skill student-loan-strategy -a claude-code`. Or copy the skill folder (skills/student-loan-strategy in mohitagw15856/pm-claude-skills) into .claude/skills/student-loan-strategy in your project. Claude Code loads it when a task matches its description.
How do I install Student Loan Strategy in Codex?
Run `npx skills add mohitagw15856/pm-claude-skills --skill student-loan-strategy -a codex`. Or copy the skill folder (skills/student-loan-strategy in mohitagw15856/pm-claude-skills) into .agents/skills/student-loan-strategy in your project. Codex loads it when a task matches its description.
Can I use Student Loan Strategy in Cursor, Gemini CLI or GitHub Copilot?
Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add mohitagw15856/pm-claude-skills --skill student-loan-strategy -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/student-loan-strategy, .gemini/skills/student-loan-strategy, .github/skills/student-loan-strategy and .opencode/skills/student-loan-strategy in your project.
What does Student Loan Strategy need to run?
Going by SKILL.md and its folder, Student Loan Strategy needs Python for the scripts in its folder and the command-line tools its instructions call (python3). Our summary lists: Python 3.
Does Student Loan Strategy access the network?
SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.
Is Student Loan Strategy safe to install?
Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. The check reads SKILL.md only: the scripts in the folder are not scanned, so read them before running anything.
What licence does Student Loan Strategy use?
Student Loan Strategy is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.
How many tokens does Student Loan Strategy use?
About 1.5k tokens (SKILL.md is roughly 6.1k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.
What are the alternatives to Student Loan Strategy?
Skills that share tags, products or a category with Student Loan Strategy: Manim Video Production (browser-use/video-use, 29k stars), Logseq Review Workflow Eval (logseq/logseq, 45k stars), Baoyu URL To Markdown (sdyckjq-lab/llm-wiki-skill, 2.5k stars) and DeepTutor CLI (HKUDS/DeepTutor, 41k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.
Who maintains Student Loan Strategy?
mohitagw15856 (a GitHub user) maintains it in mohitagw15856/pm-claude-skills, which has 1,434 GitHub stars. The repository holds 1,348 skills in this directory. The repository was last updated on October 9, 2026.
Source: mohitagw15856/pm-claude-skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.