Repayment Calculator

Student Loan Repayment Calculator

Inputs

    • Import My Loans

      FSA

      We can securely import your federal student loans from the National Student Loan Data System using your Federal Student Aid credentials. If you do not have an account or cannot remember your username or password, please access the official NSLDS website. If you have trouble importing your loans, please ensure you can directly login to NSLDS. For persistent issues, please contact us.

    • Upload Loans

      FSA

      You can securely upload your MyStudentData file, which contains information about all of your federal loans. Please consult the instructions here to retreive your MyStudentData file. Please upload your unaltered MyStudentData file below.

      Drag your file here or
      navigate to it
    • Add Loan

      * Indicates Required Field

    This is the number of payments you've made to date.
    This helps us color code repayment plans based on your ability to afford them.
  • Loan Forgiveness Program

    Public Service Loan Forgiveness is available to borrowers who work in government or in the non-profit sector (estimated to be about 25% of Americans).

    Teacher Loan Forgiveness is for teachers who work in a school located in a low-income area.

    Math, science, and special education teachers can recieve up to $17,500 in forgiveness. All other teachers can recieve up to $5,000. For details, please check the official FAQ.

  • Income-Driven Repayment

    Indicate "yes" if any of your current loans were for graduate school.
    Your eligibility for some payment programs is based on if you are a "new borrower" (determined by this question).
    Different programs also have different definitions of a "new borrower."
    Indicate your expected official residence in next year's tax filing.
    For most people, this is similar to your gross income. You can easily find it on your taxes.
    Wage growth is important for determining future payments for income-based repayment plans. It's okay to make a very rough guess. When your income changes, you can always re-run the calculator.
    Your household size includes you and any dependents (i.e., children and parents you support more than 50% financially).
    If you are married, your spouse's income may be be incorporated into some payment programs, even if you file your taxes separately.
    Your spouse's adjusted gross income is his/her total income minus specific deductions. You can easily find it on his/her tax return.
    Wage growth is important for determining future payments for income-based repayment plans. It's okay to make a very rough guess. When your spouse's income changes, you can always re-run the calculator.
    Include only federal loans
    Indicate how you plan to file your taxes this year.
  • Private Repayment Plans

    It's okay to make a rough guess if you don't know.

Outputs

Share Your Story

You're not alone–over 44M Americans have student loans. We build this calculator to help borrowers start on the right path, but the journey to debt freedom is often long. Help us help others–share your knowledge. You'll never know who you'll inspire.

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