Calculate monthly payments, compare repayment plans, and find the fastest way to become debt-free.
A student loan calculator estimates monthly payments and total repayment costs for education debt across different repayment plans. It compares Standard (10-year), Extended (25-year), Graduated, and Income-Based Repayment options to help borrowers choose the most cost-effective strategy. For example, a $30,000 loan at 5.5% interest costs $325/month on a Standard plan ($39,039 total) versus $181/month on an Extended plan ($54,188 total) — a difference of $15,149 in interest.
| Plan | Monthly Payment | Total Paid | Total Interest | Term |
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