Student Loan Payment Calculator
Calculate your monthly payments under standard federal repayment plans.
Note
This calculator provides estimates for standard federal repayment plans. For income-driven repayment options, use our IDR Calculator.
Understanding Repayment Plans
Standard 10-Year
Fixed monthly payments over 10 years. Pays off loans fastest with least interest.
Standard 20-Year
For loans over $30,000. Fixed payments over 20 years with lower monthly payments.
Graduated 10-Year
Payments start low and increase every 2 years. Good if you expect income growth.
Extended 25-Year
For loans over $30,000. Lowest monthly payments but most interest paid.