Student loan
calculators
Estimate a payment.
Compare your options.
Work out your next step.
Find your calculator
18 tools. Six goals. Start with the question on your mind.
Formulas reviewed by student loan attorney Stanley Tate. How we check and update these tools
We run sample scenarios to stress-test the calculations, including unusual inputs and cases that need more information.
We update applicable figures annually when the Department of Health and Human Services publishes new poverty guidelines, and revise affected calculators when we identify legislative or rule changes.
About Stanley TateMonthly payments
Estimate a fixed payment or explore a specific federal repayment plan.
Student Loan Calculator
Estimate a monthly payment, total interest, and payoff date from a balance, rate, and term.
Federal or private · Fixed rate
IBR Payment Calculator
Estimate an IBR payment using your income, household size, and loan details.
Federal · Income-Based Repayment
RAP Payment Calculator
Estimate a RAP payment using your income, dependents, and relevant spouse loan details.
Federal · Repayment Assistance Plan
ICR Payment Calculator
Estimate an ICR payment under its two payment formulas.
Federal · Income-Contingent Repayment
PAYE Payment Calculator
Estimate a PAYE payment and explore the plan’s limits and transition rules.
Federal · Pay As You Earn
Discretionary Income Calculator
See how income and household size affect the income figure used in IBR, PAYE, and ICR.
Federal · Income calculation
Compare plans & refinancing
Compare federal payment plans or model a written fixed-rate refinance offer.
IBR vs. RAP Calculator
Compare starting monthly payments under Income-Based Repayment and the Repayment Assistance Plan.
Federal · Plan comparison
RAP vs. Tiered Standard Calculator
Compare RAP with Tiered Standard repayment using the same loan information.
Federal · Plan comparison
Student Loan Refinance Calculator
Compare payment and total cost with a written offer. Refinancing federal loans replaces them with a private loan and ends their federal protections.
Private refinance offer · Fixed rate
PSLF progress
Work from your official Public Service Loan Forgiveness payment count.
PSLF Remaining Payments Calculator
Estimate payments remaining toward 120 using your official qualifying-payment count.
Federal · Payments remaining
PSLF Buyback Calculator
Estimate a potential buyback amount and screen whether selected months may get you to 120.
Federal · Buyback estimate
PSLF Weighted-Average Count Calculator
Estimate the balance-weighted PSLF payment count for Direct Loans you plan to consolidate.
Federal · Consolidation count
Payoff & interest
Model extra payments, daily interest, or a federal consolidation rate.
Student Loan Payoff Calculator
See how a monthly payment and extra payments change payoff timing and interest.
Federal or private · Payoff schedule
Daily Interest Calculator
Estimate daily interest and how much accrues over a selected number of days.
Federal or private · Simple interest
Federal Consolidation Rate Calculator
Estimate a consolidation interest rate with the required upward rounding.
Federal · Consolidation rate
Default & garnishment
Estimate a rehabilitation payment or the impact of federal wage garnishment.
Student Loan Rehabilitation Calculator
Screen rehabilitation access, estimate a payment, and explore an income-and-expense worksheet.
Federal · Default rehabilitation
Student Loan Wage Garnishment Calculator
Estimate potential student loan withholding from a paycheck under federal garnishment limits.
Federal · Paycheck estimate
Bankruptcy preparation
Prepare facts for an attorney conversation about undue hardship.
Before you use an estimate
Start with the right loan type
Federal repayment, PSLF, rehabilitation, and consolidation tools model specific federal loan rules. Fixed-payment, payoff, interest, and refinance tools can also model private loans. Check each tool’s assumptions before using a result.
Bring the details that matter
Payment and payoff tools may need your balance, interest rate, and term. Income-driven plans use income and household details. PSLF tools start with an official payment count.
Confirm before making a change
Results are planning estimates, not eligibility decisions or legal advice. Confirm federal repayment options with Federal Student Aid’s Repayment Calculator and account details with your servicer. The bankruptcy tool organizes facts; it cannot decide whether you qualify for a discharge.
This directory needs no financial information. Individual tools explain their assumptions and any optional saving or sharing.
From Tate Law, a student loan law firm founded by Stanley Tate.