D

deterministic-financing

JubileeLoan is a deterministic financing specification for refinancing school loans that have exceeded 15 years in repayment. It applies a one-time 1% interest charge to the total refinanced loan balance, preserves the borrower's existing monthly payment, and limits repayment to 10 years, with any remaining eligible balance permanently extinguished through a mandatory debt jubilee. https://roxanneardary.com/jubileeloan/

FiniteTerm is a modular open source specification for deterministic financing across industries and products, designed to make financing transparent, predictable, and modelable. It provides a common framework for defining financing terms, affordability, payments, costs, asset lifecycles, insurance, portability, and settlement while allowing industry and product-specific modules to extend the system without changing the core. https://roxanneardary.com/finiteterm/