Terms of Use

Last reviewed: October 4, 2026.

By using StayOrRefi, you agree to these terms. The site publishes educational information and tools. Figures are sourced and dated on each page, but sources change and errors can occur, so verify important decisions against the official source and qualified professional advice.

• Content is provided as is, without warranties of accuracy, completeness, or fitness for a particular purpose.
• Calculator outputs are estimates based on the inputs and assumptions shown. They are not quotes, approvals, or professional advice.
• You may link to any page. You may quote short excerpts with a link back. Bulk copying of datasets or page text is not permitted.
• We may update pages, tools, and these terms; material changes will be noted on the affected page.