The Debase Brief
Student Loan Real Cost Calculator

What's your student debt actually costing you?

The interest rate is on your statement. The M2 erosion isn't. This is what your degree really costs.

Current outstanding student debt across all loans.
$
What you earn now — or expect to earn entering the workforce.
$
Pulling government data...
Act II — What the government says
CPI vs Reality
Official CPI says inflation is...
M2 money supply actually grew...
Your real situation vs M2...
The gap they don't mention
M2 growth minus CPI — the debasement happening behind the official number
Act III — What you can do about it
The dollar loses ground every year. Scarce assets don't. Here's what moving your annual erosion into gold or Bitcoin would have done.
🏎
Gold
Your erosion held in gold (1yr)
Monthly to offset erosion
at gold's avg annual return
₿
Bitcoin
Your erosion held in BTC (1yr)
Monthly to offset erosion
at BTC's avg annual return
Trailing 12-month returns — live via FRED & Kraken. Gold: +74% · BTC: +70% · Past performance does not guarantee future results.
Your debt is fixed in nominal dollars. Your salary's purchasing power isn't.
Get the real numbers every morning — free.
Get the Debase Brief — Free
Free. Every morning at 7 AM. Unsubscribe anytime.