Student Loan Calculator
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$1,000$250,000
Add up all your loans, or enter one loan at a time
%
New federal loans 2026–27: 6.52% undergraduate, 8.07% graduate, 9.07% PLUS
Repayment term
$
$0$1,000
$
Monthly payment
$397.77
Total interest
$12,733
Debt-free by
Oct 2036
Time to repay
10 yr
Share of gross pay
8.7%
| Term | Monthly | Total interest |
|---|---|---|
| 10 years | $397.77 | $12,733 |
| 15 years | $305.27 | $19,949 |
| 20 years | $261.36 | $27,727 |
| 25 years | $236.76 | $36,028 |
Fixed-rate amortization, like the federal standard plan or a private loan. Income-driven plans set the payment from your income instead; check StudentAid.gov for the plans you qualify for.
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