Student Loan Repayment Calculator
See your monthly payment on the standard 10-year plan, total interest — and how brutally effective even small extra payments are.
Monthly Payment (standard)
$0
Total Interest — Standard Plan$0
Total Paid$0
With Extra: Paid Off In—
Interest Saved by Paying Extra$0
Debt-Free Sooner By—
Extra payments go straight at the principal, which is why they punch far above their weight. Federal loans also offer income-driven plans (payments tied to income, possible forgiveness after 20-25 years) and Public Service Loan Forgiveness after 120 qualifying payments — run those against aggressive payoff before deciding. There's never a prepayment penalty on federal student loans. Estimates only.