<?xml version="1.0" encoding="UTF-8"?>
<!-- Only HTTP-200 URLs belong here. The app's content routes are now prerendered
     (SSG) so they return 200 and are crawlable; the interactive flow screens
     (/profile, /loans, /dashboard, ...) stay client-rendered (404 to crawlers)
     and are intentionally excluded. -->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url><loc>https://wend.fyi/</loc><lastmod>2026-06-08</lastmod><priority>1.0</priority></url>
  <url><loc>https://wend.fyi/student-loans/</loc><lastmod>2026-06-08</lastmod><priority>0.9</priority></url>
  <url><loc>https://wend.fyi/mortgage/</loc><lastmod>2026-06-08</lastmod><priority>0.9</priority></url>
  <url><loc>https://wend.fyi/student-loans/learn/</loc><lastmod>2026-06-08</lastmod><priority>0.6</priority></url>
  <url><loc>https://wend.fyi/mortgage/learn/</loc><lastmod>2026-06-08</lastmod><priority>0.6</priority></url>
  <url><loc>https://wend.fyi/should-i-refinance-student-loans/</loc><lastmod>2026-06-08</lastmod><priority>0.8</priority></url>
  <url><loc>https://wend.fyi/federal-vs-private-student-loans/</loc><lastmod>2026-06-08</lastmod><priority>0.8</priority></url>
  <url><loc>https://wend.fyi/student-loan-strategy/</loc><lastmod>2026-06-08</lastmod><priority>0.8</priority></url>
  <url><loc>https://wend.fyi/mortgage-refinance-calculator/</loc><lastmod>2026-06-08</lastmod><priority>0.8</priority></url>
  <url><loc>https://wend.fyi/mortgage-refinance-breakeven/</loc><lastmod>2026-06-08</lastmod><priority>0.8</priority></url>
</urlset>
