Undue hardship
Brunner Test Calculator
Organize present finances, future circumstances, and repayment efforts without receiving a score or legal conclusion.
Calculators
Student loan calculators for clearer next steps
Estimate a payment, compare federal repayment options, track PSLF progress, or see what interest may cost over time.
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Question 1
What are you trying to do?
Choose the closest match.
- Planning estimates
- Inputs stay in your browser
- Assumptions shown with results
Browse by goal
Organize a legal self-assessment
Structure facts for an attorney conversation without generating a legal conclusion.
Open calculator
Estimate and compare payments
Estimate a standard fixed payment, compare a refinance offer, or use a focused federal repayment-plan tool with assumptions and limits kept visible.
Standard payment
Student Loan Calculator
Estimate a standard fixed monthly payment, total interest, total repaid, and payoff timeline for one loan.
Loan comparison
Student Loan Refinance Calculator
Compare a current fixed-rate loan with a refinance offer and separate monthly savings from projected total savings.
Payment estimate
IBR Payment Calculator
Estimate an Old or New IBR payment and check the 10-year Standard cap when the required loan details are available.
Default exit
Student Loan Rehabilitation Calculator
Screen rehabilitation access, estimate a Direct or FFEL payment, and prepare an alternative income-and-expense worksheet.
Payment estimate
RAP Payment Calculator
Estimate a Repayment Assistance Plan payment, including the dependent deduction and spouse-loan allocation when applicable.
Payment estimate
ICR Payment Calculator
Estimate an Income-Contingent Repayment payment as the lesser of 20% of discretionary income or the 12-year amount times the published income percentage factor.
Compare repayment plans
Compare focused repayment-plan scenarios before choosing a path.
Plan comparison
IBR vs. RAP Calculator
Compare starting payments under Income-Based Repayment and the Repayment Assistance Plan.
Plan comparison
RAP vs. Tiered Standard Calculator
Compare the Repayment Assistance Plan with Tiered Standard repayment using the same loan inputs.
Track PSLF progress
Plan from official payment counts or understand how consolidation affects a weighted count.
PSLF buyback
PSLF Buyback Calculator
Estimate a potential PSLF buyback amount and screen whether selected months may complete the path to 120.
PSLF consolidation
PSLF Weighted-Average Count Calculator
Estimate the unrounded balance-weighted PSLF payment count for Direct Loans included in a consolidation.
PSLF planning
PSLF Remaining Payments Calculator
Use an official qualifying-payment count to estimate the number of payments remaining toward 120.
Understand interest and payoff
Model interest, payoff timing, and a federal consolidation rate with the assumptions shown.
Payoff model
Student Loan Payoff Calculator
Simulate a fixed monthly payment schedule, including extra payments and the final partial payment.
Interest estimate
Daily Interest Calculator
Estimate daily and accrued simple interest using the selected day-count convention.
Consolidation rate
Federal Consolidation Rate Calculator
Estimate the balance-weighted rate and required upward one-eighth-percent rounding.