🎓 Student Loan Calculator

Compare student loan repayment plans including standard, graduated, and income-driven options.

Enter Loan Details

Loan Amount ($)

Interest Rate (% APR)

Repayment Term

Expected Annual Income ($)

Standard: Fixed payments over 10-25 years. Lowest total cost.

Graduated: Payments start low and increase every 2 years. Good if you expect income growth.

Income-Driven: Payments capped at 10-15% of discretionary income. May have loan forgiveness after 20-25 years.