Student Loan Fundamentals
Understand Your Loans. Master Your Repayment. Take Control.
Everything changes on July 1, 2026. With new income-driven repayment formulas, phased-out plans, and updated forgiveness timelines, navigating your student debt has never been more critical. We're here to help you make sense of it all.
Updated for July 1, 2026 Uses official Federal Student Aid formulas 100% free tools
Free Student Loan Tools (Updated for 2026)
Repayment Calculator
Calculate standard amortization and payoff dates.
Launch ToolIDR Estimator
Estimate payments under the new income-driven rules.
Launch ToolForgiveness Checker
Check eligibility for PSLF and other programs.
Launch ToolRepayment Comparator
Compare debt payoff strategies side-by-side.
Launch ToolConsolidation Calculator
See effects of combining federal loans.
Launch ToolInterest Calculator
Visualize daily interest accrual.
Launch Tool