Student loans
Compare federal repayment plans, model multiple loans, weigh refinancing, and plan for taxes, marriage, and PSLF — with calculators, guides, and reference pages that stay in your browser. No ads, no lender affiliates, no upsells.
Looking for a single fixed-repayment estimate? Use the student loan calculator.
Calculators
Interactive tools for plan comparison, payoff strategy, refinancing, and tax decisions.
Plan comparison
Compare all seven federal repayment plans side by side — monthly payment, total interest, forgiveness, and payoff timeline.
Open →Multi-loan payoff
Model every loan with its own rate, balance, and grace period. Compare avalanche, snowball, and proportional payoff.
Open →Refinance vs. keep federal
Compare private refinancing against staying federal — including IDR, PSLF, and forgiveness tradeoffs.
Open →Pay extra vs. invest
See whether extra cash builds more wealth paying down the loan or investing while making minimum payments.
Open →Tax deduction
Calculate your student loan interest deduction and tax savings, including the full phase-out.
Open →Deferment cost
See how much a payment pause costs in accrued interest, capitalization, and extra lifetime cost.
Open →Marriage & IDR
See how marriage changes IDR payments under MFJ vs. MFS — and whether filing separately is worth it.
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Guides
Practical checklists for repayment, hardship, PSLF, and taxes.
First 90 days in repayment
Step-by-step actions every borrower should take in the first 90 days — from finding your servicer to the right plan.
Open →What to do if you can't pay
The right sequence when payments are unaffordable — IDR, deferment, forbearance, and default recovery.
Open →PSLF complete checklist
Every requirement, annual action, and common mistake for Public Service Loan Forgiveness.
Open →Taxes & student loans
Every tax action borrowers should take — from Form 1098-E through forgiveness tax planning.
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Reference
Loan types, state vs. federal differences, and how to read your statement.
Loan & grant types
Every federal student loan and grant type — rates, limits, eligibility, and key differences.
Open →State vs. federal loans
How state loans differ from federal loans — and what you lose without IDR, PSLF, and deferment.
Open →How to read your statement
A section-by-section guide to understanding your loan servicer statement.
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