<?xml version="1.0" encoding="UTF-8"?>
<!--
  sitemap.xml — a directory of every page on the site, for search engines.

  WHEN YOU ADD A NEW PAGE LATER (e.g. a "Coursera Review" page):
  Copy one whole <url>...</url> block below, change the <loc> to the new
  page's web address, and update <lastmod> to today's date (YYYY-MM-DD).
  That's it — no other file needs to know about this one.

  URL STRUCTURE NOTE: pages live in their own folders (e.g. privacy-policy/index.html)
  so clean URLs work on any host without configuration. Always use a trailing
  slash in <loc> entries to match the canonical URL in each page's <head>.
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://stipendsmart.com/</loc>
    <lastmod>2026-07-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://stipendsmart.com/privacy-policy/</loc>
    <lastmod>2026-07-27</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://stipendsmart.com/terms-of-service/</loc>
    <lastmod>2026-07-27</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://stipendsmart.com/affiliate-disclosure/</loc>
    <lastmod>2026-07-27</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
</urlset>
