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Student Loan Repayment Calculator 2025

Compare Standard, Graduated, IBR, and SAVE plan payments side-by-side. Find the lowest monthly payment and total interest cost for your situation.

Standard (10yr)

$512/mo

$61,426 total

Graduated (10yr)

Starts lower, increases every 2 years

$384/mo

$71,932 total

Extended (25yr)

$305/mo

$91,491 total

IBR (10–15% discretionary)

Possible forgiveness at 20–25yrs

$263/mo

$94,575 total

SAVE (5% discretionary)

Possible forgiveness at 20–25yrs

$82/mo

$29,681 total

Monthly Payment Comparison

Total Cost Comparison

Analysis & insights

Your calculation completed. The figures above reflect the inputs you provided.

Calculation summary

Result derived from 3 inputs. Adjust any one to test sensitivity.

Key insights

Pre-tax contributions reduce taxable income

Every dollar to 401(k), HSA, or traditional IRA reduces taxable income at your marginal bracket — typically 12-32% federal.

Sensitivity testing

Adjust each input by ±10% to find the most impactful variable — that's the one to focus your real-world decisions on.

Recommended actions(4)

Test the realistic range of each input

High priority

Try the lowest and highest realistic value for each input. The spread of results is the range you should actually plan for — point estimates lie.

Impact: Reveals which inputs matter most and where uncertainty hides.

Compare against published benchmarks

Medium priority

Whatever you're calculating, there's likely an industry benchmark for it. Google "[topic] average" or "[topic] median" to sanity-check the result.

Save or download a copy

Medium priority

For calculators that offer it, use "Download report (PDF)" to keep a snapshot. Otherwise screenshot the inputs + result before navigating away.

Find the Best Personal Loan

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This tool is for educational purposes only and does not constitute financial, tax, or investment advice. Consult a qualified financial professional for advice specific to your situation.