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        xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
        xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
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    <!-- 1. HOMEPAGE -->
    <url>
        <loc>https://capitalizedinterest.com/</loc>
        <lastmod>2026-07-04</lastmod>
        <changefreq>weekly</changefreq>
        <priority>1.0</priority>
    </url>

    <!-- 2. WHEN DOES IT HAPPEN? -->
    <url>
        <loc>https://capitalizedinterest.com/when-does-student-loan-interest-capitalize</loc>
        <lastmod>2026-07-04</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>

    <!-- 3. HOW TO AVOID IT -->
    <url>
        <loc>https://capitalizedinterest.com/how-to-avoid-capitalized-interest</loc>
        <lastmod>2026-07-04</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.9</priority>
    </url>

    <!-- 4. CALCULATOR -->
    <url>
        <loc>https://capitalizedinterest.com/calculator</loc>
        <lastmod>2026-07-04</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>

    <!-- 5. SAVE PLAN / IDR -->
    <url>
        <loc>https://capitalizedinterest.com/income-driven-repayment-capitalization</loc>
        <lastmod>2026-07-04</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>

    <!-- 6. REFINANCE GUIDE -->
    <url>
        <loc>https://capitalizedinterest.com/refinance-student-loans</loc>
        <lastmod>2026-07-04</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.8</priority>
    </url>

    <!-- 7. PRIVATE CONSOLIDATION -->
    <url>
        <loc>https://capitalizedinterest.com/private-student-loan-consolidation</loc>
        <lastmod>2026-07-04</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.7</priority>
    </url>

    <!-- 8. CREDIBLE REVIEW -->
    <url>
        <loc>https://capitalizedinterest.com/credible-student-loans-review</loc>
        <lastmod>2026-07-04</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.6</priority>
    </url>

    <!-- 9. CONTACT -->
    <url>
        <loc>https://capitalizedinterest.com/contact</loc>
        <lastmod>2026-07-04</lastmod>
        <changefreq>monthly</changefreq>
        <priority>0.5</priority>
    </url>

</urlset>
