Compare student loan repayment plans. Calculate monthly payments for Standard, Graduated, and Income-Driven plans. See how extra payments save money.
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The Standard plan has the lowest total cost but highest monthly payment. Income-Driven plans have lower monthly payments but higher total cost. Choose based on your current financial situation.
Even $50-100 extra per month can save thousands in interest and shorten your loan term by years. Use our simulator to see the exact impact.
PSLF forgives remaining federal loan balance after 120 qualifying payments while working for a qualifying employer (government, non-profit). You must be on an income-driven plan.
The Student Loan Calculator is a free online tool that lets you calculate student loan payments with standard, graduated, and income-driven repayment plans. It is part of NexTool's collection of free tools designed to help you work faster and more efficiently.
Using the Student Loan Calculator is simple: visit the tool page, enter your data or input into the provided fields, and get instant results. No downloads, installations, or sign-ups are required. The tool runs directly in your web browser for maximum convenience.
Yes, the Student Loan Calculator is 100% free to use with no limitations. There is no registration required, no daily usage caps, and no hidden fees. You can use it as many times as you need.
The Student Loan Calculator uses industry-standard formulas and algorithms to deliver reliable results. While the tool is designed for accuracy, results should be used as estimates and guidance. For critical decisions, always consult a qualified professional.
No account is required. The Student Loan Calculator is completely free to use without sign-up, login, or registration. Your financial data stays in your browser and is never sent to our servers.
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Compare student loan repayment plans. Calculate monthly payments for Standard, Graduated, and Income-Driven plans. See how extra payments save money.
NexTool's Student Loan Calculator is completely free to use with no sign-up required. Your data is processed directly in your browser and never sent to our servers, ensuring complete privacy and instant results.
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| Plan | Monthly | Total Paid | Total Interest | Term |
|---|---|---|---|---|
Standard (10-Year) Cheapest Overall | $379.84 | $45,581 | $10,581 | 10 yr |
Graduated | $227.91 | $53,080 | $18,080 | 10 yr |
Extended (25-Year) | $214.93 | $64,479 | $29,479 | 25 yr |
Income-Driven (IDR) Lowest Monthly | $186.75 | $56,025 | $39,118 | 25 yr |
After 120 qualifying payments (10 years) while working for a qualifying employer, remaining balance may be forgiven.