Compare repayment paths
Student Loan Calculators
Student-loan choices require separating federal and private debt. Refinancing federal loans into private debt can permanently remove federal repayment, forgiveness, deferment, and discharge protections.
4 free tools
Choose a calculator
Student Loan Refinance Calculator
Compare payments and interest while considering federal benefits.
Open calculatorStudent Loan Payoff Calculator
Estimate payoff time and extra-payment savings.
Open calculatorStudent Loan Repayment Calculator
Calculate standard repayment payment and interest.
Open calculatorIncome-Driven Repayment Calculator
Estimate current RAP, IBR, and PAYE federal student-loan payments.
Open calculatorA practical sequence
How to use these tools
- 1
Identify each loan
Record whether every balance is federal or private, along with its rate and repayment status.
- 2
Compare current-plan payments
Model standard repayment, extra payments, and applicable federal income-driven options.
- 3
Evaluate refinancing carefully
Compare private-loan savings with the value of federal protections that would be lost.
Frequently asked questions
Does the IDR calculator confirm eligibility?
No. Use StudentAid.gov for current eligibility, enrollment, and official payment estimates.
Can federal loans be refinanced federally?
Federal consolidation and private refinancing are different. Private refinancing generally replaces federal loans with a private loan and removes federal benefits.
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These calculators provide educational estimates, not offers, approvals, quotes, or individualized financial, tax, legal, insurance, or investment advice. Confirm important decisions with current documents, official sources, and qualified professionals.