Student Loan Calculator
Plan your student loan payoff and compare repayment strategies.
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years
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Additional payment towards principal.
Monthly Payment
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Debt-free by - (0 years)
Total Paid
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Interest
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Payoff
0 yrs
Effective
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Loan Balance Over Time
Documentation
Repayment Plan Options
Standard
Fixed monthly payments over 10 years. Lowest total interest paid.
Graduated
Payments start low and increase every 2 years. Good for growing incomes.
Income-Driven
Payments based on income (10-20%). May qualify for forgiveness after 20-25 years.
Last Updated: February 2026 • Consult with your loan servicer for exact repayment options.
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