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. SAVE plan borrower? Read income-driven repayment plans explained for what to do now that SAVE has ended.
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.
Inputs
- Loan balance
- Interest rate
- Income
- Family size
- Filing status
Multi-loan payoff
Model every loan with its own rate, balance, and grace period. Compare avalanche, snowball, and proportional payoff.
Inputs
- Loan balances
- Rates
- Extra payment
- Payoff method
Refinance vs. keep federal
Compare private refinancing against staying federal — including IDR, PSLF, and forgiveness tradeoffs.
Inputs
- Balance
- Federal rate
- Refinance rate
- Term
- PSLF years
Pay extra vs. invest
See whether extra cash builds more wealth paying down the loan or investing while making minimum payments.
Inputs
- Loan balance
- Rate
- Extra payment
- Expected return
Tax deduction
Calculate your student loan interest deduction and tax savings, including the full phase-out.
Inputs
- Interest paid
- AGI
- Filing status
- Marginal rate
Deferment cost
See how much a payment pause costs in accrued interest, capitalization, and extra lifetime cost.
Inputs
- Balance
- Rate
- Pause length
- Remaining term
Marriage & IDR
See how marriage changes IDR payments under MFJ vs. MFS — and whether filing separately is worth it.
Inputs
- Your income
- Spouse income
- Loan balance
- IDR plan
- Family size
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.
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What to do if you can't pay
The right sequence when payments are unaffordable — IDR, deferment, forbearance, and default recovery.
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PSLF complete checklist
Every requirement, annual action, and common mistake for Public Service Loan Forgiveness.
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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.
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State vs. federal loans
How state loans differ from federal loans — and what you lose without IDR, PSLF, and deferment.
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How to read your statement
A section-by-section guide to understanding your loan servicer statement.
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