Free Student Loan Calculator
Plan every loan in one place. See exactly how much interest you'll pay, how soon you'll be done, and how a small extra payment can change your future.
Multiple loansAvalanche & snowballSaves locally
Your loans
Add each loan with its balance, rate, and term. Federal, private — anything you owe.
Balance
$
APR
%
Term10 years
Monthly$227
Balance
$
APR
%
Term10 years
Monthly$121
Speed it up
Extra monthly payment
Even a small bump shrinks your payoff date and saves you interest.
Extra per month$0
$
$0$250$500$750$1,000+
On top of your $349 minimum monthly payment.
Payoff strategyWhere the extra payment goes each month.
Monthly payment10 yr
$349/ mo
Paid off Apr 2036
Total interest$11,847
Total paid$41,847
Where every dollar goes
How much of each payment chips away at principal vs. disappears into interest, month by month.
$30,000 borrowed$41,847 repaid
Hover the chart to see the cumulative principal and interest paid by any point in your repayment.