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Student Loan Calculators
Choose the right student loan calculator for federal repayment planning, including IDR, IBR, PAYE, PSLF, RAP, SAVE deadlines, and payment comparisons.
Start With the Closest Match
If you only need a fixed-payment estimate, start with the standard payment calculator. If your payment depends on income, household size, public service, or a SAVE transition notice, use the IDR estimator, IBR payment calculator, RAP calculator, PSLF calculator, or deadline tools below.
Popular calculator searches
Payment and plan comparison
Start here if you need a monthly payment estimate or want to compare federal repayment plans.
Student Loan Payment Calculator
Estimate standard, graduated, and extended repayment payments.
Open calculatorIncome-Driven Repayment Calculator
Compare RAP, IBR, PAYE, ICR, and other income-driven repayment estimates.
Open calculatorRepayment Plan Recommendation Tool
Answer a short flow to decide which plans deserve your first comparison.
Open calculatorIDR and IBR calculators
Use these when your search is specifically about IDR, IBR, or income-based repayment.
IDR Payment Estimator
Get a quick income-driven repayment estimate before using official federal tools.
Open calculatorIncome-Based Repayment Calculator
Focus on IBR and compare it with RAP, PAYE, and ICR.
Open calculatorPAYE Payment Calculator
Estimate Pay As You Earn payments from AGI and household size, then compare PAYE with IBR, RAP, and PSLF strategy.
Open calculatorStudent Loan IDR Payment Calculator
Estimate federal student loan IDR payments with plain-language next steps.
Open calculatorRAP, SAVE, and 2026 transition tools
Use these if you are leaving SAVE or comparing the new RAP formula with legacy plans.
RAP Payment Calculator
Estimate Repayment Assistance Plan payments, dependent reductions, and planning limits.
Open calculatorRAP vs SAVE Calculator
Compare a former SAVE reference point with current RAP planning estimates.
Open calculatorSAVE and IDR Deadline Calculator
Estimate the response window from a SAVE transition, IDR recertification, or servicer plan-selection notice.
Open calculatorPSLF and forgiveness calculators
Use these if public service, qualifying payments, or long-term forgiveness strategy matters.
PSLF Calculator
Estimate Public Service Loan Forgiveness progress and potential forgiveness.
Open calculatorPSLF Qualifying Payment Calculator
Track progress toward 120 qualifying PSLF payments.
Open calculatorPSLF vs IDR Forgiveness Calculator
Compare the 120-payment PSLF path with longer IDR forgiveness timelines.
Open calculatorFrequently Asked Questions
Which student loan calculator should I use first?
Start with the Student Loan Payment Calculator for standard repayment. Use the Income-Driven Repayment Calculator if your payment depends on income, family size, PSLF, or the SAVE transition. Use the recommendation tool if you are unsure which plan to compare first.
Are these calculators official federal tools?
No. RepaymentGuide calculators provide planning estimates. Confirm final eligibility, payment amounts, deadlines, and forgiveness credit with StudentAid.gov, the official Loan Simulator, the IDR application, the PSLF Help Tool, or your servicer.
Do these calculators cover private student loans?
Most tools on this page focus on federal student loans. Private student loans use lender-specific terms and usually do not qualify for federal IDR, PSLF, RAP, or federal forgiveness programs.
Why are there separate IDR, IBR, and PSLF calculators?
Borrowers search with different levels of specificity. A broad IDR calculator compares plans, an IBR calculator focuses on Income-Based Repayment, and PSLF tools focus on qualifying employment, 120 payments, and forgiveness progress.
Which calculator helps with AGI, dependents, and PAYE?
Use the PAYE Payment Calculator when you want a Pay As You Earn estimate using AGI and household size. Then compare the result with IBR, RAP, and the standard payment cap before choosing a plan.
Important disclaimer
This content is educational and does not provide legal, tax, or individualized financial advice. Confirm deadlines, eligibility, and payment amounts with StudentAid.gov, your loan servicer, or a qualified advisor before making a repayment decision.
If you are comparing next steps, start with the repayment recommendation flow and then verify the result through official channels.
Official sources for final repayment decisions
- Federal Student Aid Loan Simulator
Official payment comparison and repayment planning tool.
- Federal Student Aid repayment plans
Official federal repayment plan overview.
- Federal Student Aid IDR application
Official application path for income-driven repayment.
- Federal Student Aid PSLF Help Tool
Official PSLF employment certification and application tool.