Compare student loan repayment plans. Calculate monthly payments for Standard, Graduated, and Income-Driven plans. See how extra payments save money. Tailored with tips and guidance for Financial tools for students managing loans, budgeting on entry-level salaries, and building credit..
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This student loan calculator is specifically designed for Financial tools for students managing loans, budgeting on entry-level salaries, and building credit.. Whether you're just getting started or looking to optimize your financial strategy, this calculator provides the insights you need to make informed decisions.
Students & Recent Graduates face unique financial considerations that generic calculators don't address. Use the tips above alongside this student loan calculator to get a complete picture of your financial situation. The calculator is completely free, runs instantly in your browser, and never stores your personal data.
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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.