Terms of Use

Last updated: 3 September 2026. By using Student Hub you agree to these terms.

Educational only

Everything on this site is general educational information about student money, time and decisions. It is not financial, legal or academic advice, and it is not tailored to your individual enrolment, funding or circumstances.

Situations vary

Every student is different — costs, timetables, degree rules and local practice vary by institution and country. No estimate or checklist here is a promise of outcomes, and you remain responsible for your own decisions.

No guarantees

Calculators use plain, transparent maths and widely used rules of thumb, which vary with real life. Results are estimates to guide reflection — never guarantees, quotes or offers.

Official sources

Before signing, borrowing or committing, check official sources — your student services and financial aid office, and the actual contract or catalogue — because they, not this site, define your obligations.

No liability

To the maximum extent permitted by law, we accept no liability for decisions made based on this site's content.

Paid reports

The $2.95 report is a digital product delivered after payment. If it is not delivered due to a technical fault, contact us for a full refund — no questions.

Acceptable use

Do not attempt to abuse, scrape at scale, or disrupt the service. Automated agents are welcome to use the published WebMCP manifest and free endpoints responsibly.

🎓 All student tools

Every tool answers instantly from our own knowledge and calculators — no AI wait, no account. Honest maths and plain guidance, always educational and never preachy: the student years are for learning how to handle money, time and decisions, and these tools exist to make that easier — not to sell you anything. Results are estimates and reflections, not guarantees, and nothing you type is stored. Want the deeper, personalised version? Each has a $2.95 full report.

💰 Term Money

Student Term Budget Builder: Income vs Costsfree$2.95 Cost Per Lecture: What Your Tuition Really Buysfree$2.95 Campus Food Budget: Weekly & Term Spendfree$2.95 Study Abroad Budget: The Real Extra Costfree$2.95 Textbook Cost Strategies That Actually Workfree$2.95 Student Transport Options: Cost Comparison Guidefree$2.95 Student Loan Basics: Read Before You Signfree$2.95 Scholarship Application Timeline: When to Applyfree$2.95

📚 Study Time

Semester Planner: Work Backwards from Finalsfree$2.95 Assignment Time Estimator: When to Startfree$2.95 Part-Time Hours vs Study: Find the Balancefree$2.95 Exam Revision Schedule: Plan the Run-Infree$2.95 Group Project Fairness Check: Spot the Free-Rider Riskfree$2.95

🎯 Life & Next Steps

Accommodation Cost Compare: Two Options, Real Numbersfree$2.95 Graduation Timeline: How Many Terms to Gofree$2.95 First Job Salary Expectations: What Graduates Earnfree$2.95 Gap Year Decision: Cost, Timing & Reality Checkfree$2.95

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Educational information only — not financial, legal or academic advice, and never a guarantee of outcomes. Costs, timetables and degree requirements vary by institution and country: the tools give estimates and reflections to guide planning, not promises. Always check official sources — your student services and financial aid office — before signing, borrowing or committing. Refunds honoured.
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Student answers that stretch the student budget.