4 pre-calculated scenarios to help you understand common use cases. Try the calculator yourself below.
Standard 10-year repayment plan
$318/month, total paid: $38,184 (interest: $8,184)
Standard 10-year plan
$568/month, total paid: $68,119 (interest: $18,119)
5-year accelerated plan at 7%
$1,980/month, total paid: $118,830 (saves $36K vs 10-year)
PAYE plan, $45K salary
~$175/month initially, remaining forgiven after 20 years
Compare Pro allowances for your work with Student Loan Calculator
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Compare the included tool uses and AI allowances before choosing a plan.
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Compare all plans and annual billing| 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.