Student Loan Tools & Calculators
Free, accurate, and updated for the July 1, 2026 student loan changes. Use these tools to understand your repayment options, estimate forgiveness, compare plans, and build a payoff strategy that works for you.
Repayment Tools
Find the right monthly payment plan for your budget.
Estimate your monthly payment under the new federal repayment formulas.
Launch ToolSee your payment under the new income-driven repayment structure.
Launch ToolCompare all repayment plans side-by-side to find the best fit.
Launch ToolForgiveness Tools
See if you qualify to have your remaining balance erased.
Check eligibility for PSLF, IDR forgiveness, and 2026 forgiveness programs.
Launch ToolEstimate your progress toward Public Service Loan Forgiveness.
Launch ToolPayoff & Strategy Tools
Optimize your payments to save money on interest.
Create a personalized payoff plan using proven debt-reduction strategies.
Launch ToolSee how extra payments impact your total interest and payoff timeline.
Launch ToolRefinancing Tools
Explore private loan options to see if you can secure a lower rate.
Compare your current loan to potential refinance rates.
Launch ToolCompare refinance rates from multiple lenders in one place.
Launch ToolWhy Trust These Tools?
Every calculator on this page uses the official formulas published by:
We update our tools whenever federal rules change, ensuring accuracy and reliability.