Estimate and compare IBR, RAP, PSLF and Standard plans side-by-side — see which may have the lowest estimated cost and how extra payments could affect your payoff timeline.
Sample result — $40K loan, 6.8% rate, $45K income
Compare every plan side-by-side — with your actual income and loan details.
See which repayment plan may be the best fit — with estimated monthly payments and total cost based on your numbers.
Standard, Extended, IBR, RAP, and SAVE simulated side-by-side so you can see the full picture.
See if you may qualify for Public Service Loan Forgiveness — estimated forgiven amount and 120-payment countdown.
Slide to add extra monthly payments and see how much sooner you pay off — and how much interest you save.
Projected balance under each plan with modeled income growth — see forgiveness year highlighted.
Full formula walkthrough for IBR, RAP, SAVE and Standard — so you understand exactly how each payment is calculated.
Enter your loan and income details and explore estimated repayment costs, timelines, and forgiveness.
instant access · no setup