Student Loan Calculator

A roadmap for conquering your education debt efficiently.

Loan Details
$
%
yrs
Standard federal plan is 10 years.
$
Paid in addition to minimum.
Help

Input your loan balance and interest rate. We'll calculate your minimum monthly commitment and show you how extra contributions can accelerate your debt-free date.

Payoff Strategies
  • Avalanche: Pay highest rate first to save max interest.
  • Snowball: Pay smallest balance first for wins.
  • Autopay: Many lenders offer a 0.25% discount.
Rate Benchmarks
Fed Undergraduate~5-6%
Fed Graduate~7-8%
Private Loans4-15%+
Financial Tip

If you have high-interest credit card debt, prioritize that before making extra student loan payments. Credit cards usually carry rates 3x-4x higher than student loans.

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