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Student Loan Calculators

Use the student loan calculators below to calculate and compare multiple repayment options.

What are you interested in calculating?

Student Loan Payoff Calculator

Recommended for:

  • Calculating savings from making extra payments
  • Paying off student loans by a certain date
  • Private and federal loans

Student Loan Refinance Calculator

Recommended for:

  • Lowering interest rates
  • Lowering monthly payments
  • Private and federal loans

Consolidation vs. Refinancing Calculator

Recommended for:

  • Comparing repayment options
  • Lowering interest rates
  • Federal loans

Income-Based Repayment (IBR) Calculator

Recommended for:

  • Lowering monthly payments
  • Getting student loan forgiveness
  • Federal loans

Income-Contingent Repayment (ICR) Calculator

Recommended for:

  • Lowering monthly payments
  • Parent PLUS borrowers
  • Federal loans

Pay As You Earn (PAYE) Calculator

Recommended for:

  • Lowering monthly payments
  • Getting student loan forgiveness
  • Federal loans

Revised Pay As Your Earn (REPAYE) Calculator

Recommended for:

  • Lowering monthly payments
  • Getting student loan forgiveness
  • Federal loans

Student Loan Repayment Calculator

Recommended for:

  • Estimating monthly payments
  • Calculating total interest charges
  • Federal and private loans

Student Loan Interest Calculator

Recommended for:

  • Seeing how much interest you’re paying a month
  • Finding out about ways to lower your interest rate
  • Private and federal loans

Student Loan Comparison Calculator

Recommended for:

  • Comparing loan interest rates and terms
  • Lowering monthly payments
  • Federal and private loans

Deferment Calculator

Recommended for:

  • Pausing payments
  • Calculating interest accrued in deferment
  • Federal loans

Public Service Loan Forgiveness Calculator

Recommended for:

  • Getting student loan forgiveness
  • Finding the best income-driven repayment plan
  • Federal loans

Interest Deduction Calculator

Recommended for:

  • Estimating tax deductions from student loans
  • Checking interest deduction eligibility
  • Federal and private loans

Weighted Average Interest Rate Calculator

Recommended for:

  • Calculating Direct Consolidation Loan interest rates
  • Federal and private loans

Debt-to-Income (DTI) Calculator

Recommended for:

  • Calculating debt relative to income
  • Evaluating loan eligibility
  • Various loan types

Lump Sum Extra Payment Calculator

Recommended for:

  • Estimating savings by making one-time extra payments
  • Paying off student loans early
  • Private and federal loans

Credit Card Consolidation Calculator

Recommended for:

  • Estimating savings from consolidating with a personal loan
  • Paying off debt in fixed number of payments/years

Personal Loan Calculator

Recommended for:

  • Estimating monthly payments
  • Calculating interest
  • Testing repayment terms

Interest Rate vs. APR Calculator

Recommended for:

  • Converting interest rates and fees into APR (annual percentage rate)
  • Comparing federal student loans (which have fees) with private student loans

Compare Your Financial Aid Awards

Recommended for:

  • Comparing financial award offers from different schools
  • Seeing how schools compare in terms of the amount of gift aid and net cost of attendance