How CYCD OS Works
A system that runs when you need it, and watches when you don't.
Six stages, from initial data intake to continuous strategy monitoring.
Input Financial Data
CYCD OS begins with structured intake. You provide income (individual and household), loan balances and types, employment sector, filing status, family size, and professional goals such as PSLF eligibility, practice ownership timelines, or asset accumulation targets.
This is not a free-form survey. Every field maps directly to the strategy engine's inputs. No field is decorative.
Strategy Generation
The engine generates every viable repayment path for your financial profile. This includes all IDR programs (SAVE, PAYE, IBR, ICR), PSLF qualification tracks, standard and graduated repayment, aggressive paydown sequences, and hybrid strategies that shift approach over time.
No strategy is excluded from analysis. The output is a complete strategy set, not a pre-selected shortlist.
Multi-Dimensional Scoring
Each strategy is scored across five dimensions: (1) Lifetime cost — total dollars paid including principal, interest, and tax exposure; (2) Monthly cash flow impact — surplus after required payment; (3) Forgiveness probability — modeled likelihood of successful forgiveness completion; (4) Tax bomb exposure — estimated tax liability at forgiveness; (5) Risk level — sensitivity to income changes, program continuity, or life events.
Scores are computed deterministically from your data. The logic is visible.
Strategy Recommendation
CYCD OS selects the optimal strategy based on your weighted priorities. The recommendation includes the full rationale: why this strategy, what it costs, what it risks, and how it compares to alternatives.
Advisors can review, edit, and publish the recommendation. You always see the scoring matrix — not just the conclusion.
Advisor Review (Optional)
Advisory oversight is built in, not bolted on. Advisors can review the system-generated recommendation, annotate it, or replace it with a manually authored recommendation. Every action is logged.
The student sees a clear, published recommendation with a traceable source. CYCD OS does not require an advisor — but supports one when present.
Continuous Monitoring
CYCD OS does not deliver a plan and disappear. The system monitors your strategy against live signals: income changes, family events, employment shifts, IDR recertification windows, and policy changes.
When conditions drift from the strategy's assumptions, CYCD OS flags the divergence, re-scores, and surfaces a refresh recommendation. Your strategy is a living document, not a PDF.
Ready to see your strategy?
Complete intake in minutes. Get a scored recommendation the same day.