Repayment Simulator
Loan Repayment Simulator
Model different repayment scenarios to reduce your interest and shorten your loan term.
$0
max $500/mo
$0$125$250$375$500
Simulation Results
Current Plan
Monthly Payment
$317.00
Total Interest
$7,890
Total Cost
$37,890
Payoff Date
April 2032
Simulated Plan
Monthly Payment
$317.00
Total Interest
$7,890
Total Cost
$37,890
Payoff Date
April 2032
Adjust the controls and run a simulation to see how changes affect your payoff timeline and total interest.
Interest Accrual Calculator
Calculate how much interest accrues on your loan over a given period.
Monthly Interest—
Loan Forgiveness Estimator
Find out if you may qualify for PSLF or IDR forgiveness programs.
PSLF Eligibility
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Refinance Analyzer
Compare your current rate to a hypothetical refinance rate and see the savings.
Estimated Savings
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External Resources
StudentAid.gov Loan Simulator
The official U.S. Department of Education loan repayment simulator. Model all federal repayment plans.
NSLDS — National Student Loan Data System
Access your complete federal loan history, servicer information, and grant data.
IRS — Student Loan Interest Deduction
Learn how to deduct up to $2,500 of student loan interest on your federal taxes each year.