Privacy Policy

CRI Student Loan Pointer · Effective 28 August 2026

This is an independent app. CRI Student Loan is a study guide and set of calculators. It is not affiliated with, endorsed by, sponsored by, or connected to Central Research, Inc. (CRI), Federal Student Aid, or the U.S. Department of Education. It cannot see your loan account, cannot make a payment, cannot change a repayment plan, and cannot influence any decision about your loans.

The short version

There is no account here, no sign-in, and no server belonging to this app. It never asks for your name, your Social Security number, your FSA ID, your bank details, or a password. Whatever you type into a calculator, tick on the checklist, or bookmark is written to your own phone and disappears when you uninstall the app.

One thing does leave the device: advertising. The app is paid for by ads served through Google AdMob, and the Google Mobile Ads SDK collects a device advertising identifier in order to serve them. Section 3 sets that out in full.

1. Information this app does not collect

None of the following is requested, collected, transmitted or stored:

Your name, email address, telephone number or postal address
Your Social Security number, FSA ID, or any account or loan number
Your school, enrollment details, employer or income documents
Bank account or card details
Passwords, PINs or one-time codes
Contacts, SMS messages, call logs, photos, files or precise location
Any document, image or screenshot

The app requests no runtime permissions at all. It has no access to your camera, storage, contacts, microphone or location. The figures you type into a calculator are not stored at all — they live only while the screen is open, are not tied to you, and are never sent anywhere.

2. Information stored on your device

The following is written to local storage on your phone only. It is never uploaded, never synced between devices, and never visible to the developer or to anyone else.

What	Why
Which checklist items you have ticked	So your progress survives closing the app
Bookmarked guide chapters	So you can find them again
Theme preference and whether you have seen the introduction	App settings
Ad pacing counters and any ad-free window earned from a rewarded ad	To limit how often ads appear

The checklist can be cleared from its own Reset button. Everything above is removed entirely by clearing the app's storage in Android settings, or by uninstalling the app.

3. Advertising

This app is free and is funded by advertising supplied by Google AdMob. To serve ads, measure them, and limit how often the same one appears, the Google Mobile Ads SDK may collect and process:

Your device advertising identifier (Android Advertising ID)
Device information such as model, operating system version and language
Coarse, IP-derived location at country or region level
Ad interaction events, such as an impression or a tap

This data is collected by Google, not by the developer of this app. The developer never receives it and cannot link it to you. Google's handling of it is governed by Google Privacy & Terms.

In Play Console terms this app declares: Device or other IDs → Advertising ID, collected and shared with a third party, for the purpose of advertising. Nothing else is declared, because nothing else is collected.

Your choices

Where the law requires consent, the app shows a consent form from Google's User Messaging Platform before any ad is requested. You can change or withdraw that consent at any time from Settings → Ad privacy choices, which appears in regions where the choice applies.
You can reset or delete your advertising identifier in your device settings, under Settings → Google → Ads, and opt out of ad personalization there.

4. Network requests

The app makes exactly three kinds of outbound request:

Ad configuration. A small JSON file is fetched over HTTPS so ads can be switched on or off without an app update. The request carries no information about you.
Ad serving. Requests made by the Google Mobile Ads SDK, described above.
Links you tap. Opening an official link loads that site in your own browser. Nothing is carried across from this app — no figures, no answers, no identifiers. What happens on that site is governed by its own privacy policy, including the Federal Student Aid privacy notices.

All traffic uses HTTPS. Cleartext traffic is disabled at the platform level.

5. Children

This app is written for adults dealing with higher-education borrowing and repayment. It is not directed at children under 13, and no information is knowingly collected from children. The Play listing declares a target audience of 18 and over.

6. Data retention and deletion

No personal data leaves your device, so there is nothing held on a server to retain or delete. Local data is removed when you clear the app's storage or uninstall it. For data Google holds in connection with advertising, use Google's own controls linked in section 3.

7. Your rights

Privacy laws in the United States and elsewhere give you rights of access, correction, deletion, and objection over personal data held about you. Because this app holds no personal data about you on any server, those rights are met by the on-device controls described above. If you believe otherwise, write to the address in section 10 and you will get an answer.

8. Accuracy of the content

The chapters, figures and calculators in this app are educational estimates built from publicly published information about United States federal student loans. They are not a quotation, not a statement of your actual balance or payment, and not financial or legal advice. Rules, rates and deadlines change. Your loan servicer's figures are the ones that count, and every chapter names the pages its facts came from so you can check them yourself.

Help with your own loans — changing a repayment plan, applying for a deferment, consolidating, or submitting a forgiveness form — is free through your servicer and Federal Student Aid. This app never asks for payment for any of it.

9. Changes to this policy

If this policy changes, the updated version appears at this address with a new date at the top. Material changes are also noted in the app's release notes.

10. Contact

Questions about this policy, or a correction to the guide: publish@dirjenapk.web.id

Questions about your own loan, balance, payment or repayment plan must go to your loan servicer, not here. If you are not sure who services your loans, sign in at StudentAid.gov or call the Federal Student Aid Information Center on 800-433-3243.