Student loan calculators

What problem are you trying to solve?

You do not need to know the plan name. Pick the problem, and we will point you to the calculator and the records to have nearby.

Suggested route Lower or compare my payment Back to choices

Recommended calculator

Income-driven repayment estimator

Compare the main income-driven paths in one place, then choose the plan-specific page only if you need it.

IDR CalculatorIBR CalculatorICR CalculatorSAVE Calculator

Have nearby

This gives you

A plain-language estimate of which repayment path is likely lower.

3 minutes

Help with the inputs

How to find your AGI Use line 11 on your Form 1040 when tax-return income is the right input. Which income document should I use? Tax return, pay stub, benefits letter, or alternative documentation. What counts as family size? Why household size can change the payment estimate.

Special situations

Parent PLUS repayment calculator

A separate pathway because Parent PLUS usually turns into an ICR or consolidation question.

Parent PLUS CalculatorParent PLUS ICR Calculator

Bankruptcy hardship screen

A legal-hardship triage tool for Brunner, collections, garnishment, or rehabilitation questions.

Brunner Test CalculatorGarnishment Calculator

A lower-priority support tool for 1099-C, insolvency, or tax-bomb questions.

Refinance break-even calculator

Useful, but the GSC signal says it belongs below federal repayment and interest tools.

Private Student Loan CalculatorRefinance Calculator