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  <!-- Main Pages -->
  <url>
    <loc>https://studentloan-calculator.com/</loc>
    <lastmod>2025-09-16</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  
  <!-- Calculator Pages -->
  <url>
    <loc>https://studentloan-calculator.com/federal-loans</loc>
    <lastmod>2025-09-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <url>
    <loc>https://studentloan-calculator.com/private-loans</loc>
    <lastmod>2025-09-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <url>
    <loc>https://studentloan-calculator.com/forgiveness</loc>
    <lastmod>2025-09-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <url>
    <loc>https://studentloan-calculator.com/repayment-plans</loc>
    <lastmod>2025-09-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Tool Pages -->
  <url>
    <loc>https://studentloan-calculator.com/tools/loan-comparison</loc>
    <lastmod>2025-11-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://studentloan-calculator.com/tools/repayment-simulator</loc>
    <lastmod>2025-11-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://studentloan-calculator.com/tools/interest-calculator</loc>
    <lastmod>2025-11-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://studentloan-calculator.com/tools/early-payoff-calculator</loc>
    <lastmod>2025-11-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://studentloan-calculator.com/tools/debt-to-income</loc>
    <lastmod>2025-11-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://studentloan-calculator.com/tools/college-cost-planner</loc>
    <lastmod>2025-11-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Blog Pages -->
  <url>
    <loc>https://studentloan-calculator.com/blog</loc>
    <lastmod>2025-11-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://studentloan-calculator.com/blog/complete-student-loan-guide-2025</loc>
    <lastmod>2025-01-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://studentloan-calculator.com/blog/fastest-ways-pay-off-student-loans</loc>
    <lastmod>2025-01-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://studentloan-calculator.com/blog/pslf-program-complete-guide</loc>
    <lastmod>2025-01-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://studentloan-calculator.com/blog/refinancing-vs-consolidation</loc>
    <lastmod>2024-12-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://studentloan-calculator.com/blog/income-driven-repayment-explained</loc>
    <lastmod>2025-11-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://studentloan-calculator.com/blog/avoid-student-loan-scams</loc>
    <lastmod>2025-11-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Legal Pages -->
  <url>
    <loc>https://studentloan-calculator.com/privacy</loc>
    <lastmod>2025-09-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  
  <url>
    <loc>https://studentloan-calculator.com/terms</loc>
    <lastmod>2025-09-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  
  <url>
    <loc>https://studentloan-calculator.com/refund</loc>
    <lastmod>2025-09-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  
  <!-- Contact Page -->
  <url>
    <loc>https://studentloan-calculator.com/contact</loc>
    <lastmod>2025-09-16</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
</urlset>