Calculators

Calculators

Use our calculators to plan your household budget, determine your monthly payment amount, and explore deferment and forbearance options to postpone your payments.

Planning and Budgeting

How much money will you spend on books? What about food, rent, and utilities during college? Use the Planning and Budgeting Calculator to see how your expenses add up so you can best estimate how much you may need in additional income or student loans to cover your costs. Remember, only take out the amount in loans that you need—your financial future will thank you. Calculate your college expenses.

Income-Based Repayment

Want a lower payment now and a larger payment when you’re making more money? This plan could be right for you. Learn more about this plan.
Calculate your payments on this plan.

Income-Contingent Repayment (for FDLP loans only)

Want a payment based on your income, family size, and interest rate? This plan takes these factors into consideration, potentially allowing you more flexibility in your monthly budget. Learn more about this plan.
Calculate your payments on this plan.

Deferment & Forbearance

You may not be able to make monthly payments right now—and that's okay. The federal government allows for many different deferments and forbearances that could postpone your payment, and one may be perfect for your unique situation. Learn more about deferment and forbearance options.
Calculate interest that will accrue during a deferment or forbearance.

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