Student Loan Repayment

The Student Loan Repayment Calculator compares different repayment plan options — standard, graduated, extended, and income-driven — to help you choose the best strategy for your situation. For each plan it shows the monthly payment trajectory, total amount paid over the loan life, and potential forgiveness amounts for income-driven plans. You can model multiple loans simultaneously to see the combined picture. Student loan debt can span decades. This calculator helps you weigh lower monthly payments (which cost more in total interest) against higher payments that eliminate debt faster. It is especially useful for recent graduates deciding between aggressive repayment and investing the difference.