Student Loan Calculator
See exactly when you'll be debt-free — or plan how much you can afford to borrow before you sign.
Current balance
$
$1k$600k
Interest rate (APR)
%
1%15%
Federal student loan rates: 6.53% (undergrad) · 8.08% (grad)
Repayment plan
Standard plan: $397/mo · pays off in 10 yrs
Your payoff plan
Monthly payment
$397
Total interest
$12,690
Payoff date
Apr 2036
10 yrs
Remaining balance over time
Total paid: $47,690Principal: $35,000 + Interest: $12,690
What if you paid more?
Extra monthly payments shrink both your timeline and total interest.
+$50/mo extra
Pay off 1 yr 5 mo sooner
Save $2,040
in interest
+$100/mo extra
Pay off 2 yrs 7 mo sooner
Save $3,504
in interest
+$200/mo extra
Pay off 4 yrs 1 mo sooner
Save $5,471
in interest
Thinking about refinancing?
A lower rate could save you thousands. Compare lenders now.