Calculators
PSLF weighted-average payment count calculator
When you consolidate federal loans for PSLF, your new qualifying-payment count becomes a balance-weighted average of the loans you combined. Estimate that blended count, see why it can drop, and sanity-check the number your account shows.
Read the full explanation: how the PSLF weighted average works and what to do if your count looks wrong.
Calculator that estimates your PSLF qualifying payment count after consolidating federal student loans using a balance-weighted average, lets you toggle which loans to combine, explains why the count changes, and checks a number your servicer shows without claiming to be your official count.
Enter each federal loan's balance and its current PSLF qualifying-payment count. Consolidating combines the checked loans into one and gives the new loan a balance-weighted average of their counts.
Uncheck a loan to leave it out of the consolidation and compare.
Get each loan's balance and PSLF count from StudentAid.gov (My Aid, then loan details) or your servicer's PSLF tracker. Use the PSLF qualifying-payment count, not the IDR count.
How each loan pulls the blend — bar width is the loan's share of the balance.
Estimates your PSLF count — the 120-payment track — not IDR forgiveness, which doesn't use this weighted average.
The count is rounded to a whole number. Your servicer's rounding may differ by a payment, so treat anything within a payment of this estimate as a match.
Already consolidated? Enter the count your consolidation loan shows now and compare it to the math above.
Estimate only — not your official count, and not legal or financial advice. It compares what you enter to the math and can't see your servicer's records.
Want the rules behind the math? How the PSLF weighted average is calculated — and what to do if your count looks wrong.