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Add citations and update statistics with current data

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- Update student loan statistics to current .81T total debt and 42.5M borrowers
- Add proper citations for all key statistics from authoritative sources
- Include Education Data Initiative, Investopedia, and Federal Reserve sources
- Update investment return assumptions with proper context
- Add comprehensive data sources section to footer and disclaimer
- Improves accuracy and credibility of financial calculations
This commit is contained in:
Anson Biggs
2025-08-13 11:45:08 -06:00
parent 0625710d46
commit bb0fdbf835
1 changed files with 37 additions and 13 deletions
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index.html
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@@ -54,16 +54,19 @@
</p>
<div class="grid md:grid-cols-3 gap-6 max-w-4xl mx-auto text-center">
<div class="bg-white/10 backdrop-blur-sm rounded-lg p-4">
<div class="text-3xl font-bold">$1.75T</div>
<div class="text-3xl font-bold">$1.81T</div>
<div class="text-sm opacity-90">Total U.S. Student Debt</div>
<div class="text-xs opacity-75 mt-1">Education Data Initiative, 2025</div>
</div>
<div class="bg-white/10 backdrop-blur-sm rounded-lg p-4">
<div class="text-3xl font-bold">45M</div>
<div class="text-3xl font-bold">42.5M</div>
<div class="text-sm opacity-90">Americans with Student Loans</div>
<div class="text-xs opacity-75 mt-1">Education Data Initiative, 2025</div>
</div>
<div class="bg-white/10 backdrop-blur-sm rounded-lg p-4">
<div class="text-3xl font-bold">$37K</div>
<div class="text-sm opacity-90">Average Debt per Borrower</div>
<div class="text-3xl font-bold">$39K</div>
<div class="text-sm opacity-90">Average Federal Debt per Borrower</div>
<div class="text-xs opacity-75 mt-1">Education Data Initiative, 2025</div>
</div>
</div>
</div>
@@ -446,11 +449,11 @@
<ul class="space-y-2 text-sm text-gray-600">
<li class="flex items-start">
<span class="text-green-500 mr-2">•</span>
<span><strong>Investment Returns:</strong> 7% average annual return (historical S&P 500 average)</span>
<span><strong>Investment Returns:</strong> 7% average annual return <em>(S&P 500 long-term average: 9.96% nominal, ~7% real after inflation - Investopedia, 2025)</em></span>
</li>
<li class="flex items-start">
<span class="text-green-500 mr-2">•</span>
<span><strong>Loan Interest Rate:</strong> 5% annual rate (federal student loan average)</span>
<span><strong>Loan Interest Rate:</strong> 5% annual rate <em>(representative federal student loan rate)</em></span>
</li>
<li class="flex items-start">
<span class="text-green-500 mr-2">•</span>
@@ -464,11 +467,16 @@
</div>
</div>
<div class="mt-4 p-4 bg-amber-50 rounded-lg">
<p class="text-sm text-amber-800">
<strong>Note:</strong> This calculator provides estimates for educational purposes. Actual results will vary based on your specific loan terms, employer plan details, investment performance, and contribution consistency. Consult with a financial advisor for personalized advice.
</p>
</div>
<div class="mt-4 p-4 bg-amber-50 rounded-lg">
<p class="text-sm text-amber-800">
<strong>Note:</strong> This calculator provides estimates for educational purposes. Actual results will vary based on your specific loan terms, employer plan details, investment performance, and contribution consistency. Consult with a financial advisor for personalized advice.
</p>
<div class="mt-3 pt-3 border-t border-amber-200">
<p class="text-xs text-amber-700">
<strong>Data Sources:</strong> Student loan statistics from Education Data Initiative (2025). Investment return assumptions based on S&P 500 historical performance data from Investopedia (2025). Federal Reserve household debt data from NY Fed Center for Microeconomic Data.
</p>
</div>
</div>
</div>
</div>
</div>
@@ -802,11 +810,27 @@ Best regards,
</a>
</li>
<li>
<a href="https://www.fidelityworkplace.com/s/studentdebt-retirement"
<a href="https://educationdata.org/student-loan-debt-statistics"
target="_blank"
rel="noopener noreferrer"
class="hover:text-white transition-colors">
Fidelity Student Debt Solutions
Education Data Initiative - Student Loan Statistics
</a>
</li>
<li>
<a href="https://www.investopedia.com/ask/answers/042415/what-average-annual-return-sp-500.asp"
target="_blank"
rel="noopener noreferrer"
class="hover:text-white transition-colors">
Investopedia - S&P 500 Historical Returns
</a>
</li>
<li>
<a href="https://www.newyorkfed.org/microeconomics/hhdc/background.html"
target="_blank"
rel="noopener noreferrer"
class="hover:text-white transition-colors">
Federal Reserve Bank of NY - Household Debt Data
</a>
</li>
</ul>