LoanPay
The full set

Nine student loan calculators,
and how to pick the right one

Each one answers a single question and shows its working. None of them ask who you're, none save anything, and none of them need an account. Below they're grouped by the decision you're actually making.

9Calculators
8Repayment plans modelled
$0Cost, no sign-up
2026Rules, including RAP

In a hurry? Jump to what you need:

Compare repayment plans Payoff accelerator PSLF estimator Refinance comparison Forgiveness tax estimator Affordability check Amortization schedule Consolidation rate Cost of pausing
01
Start here

Work out where you stand

If you only use two tools, use these. The first tells you what every plan would cost you; the second tells you whether you can live with the answer. Everything else on this page refines a decision these two make.

Which repayment plan should I actually be on?

See every plan you qualify for, side by side, with what each costs monthly and in total.

Who it's for
Anyone whose plan is changing, and every borrower moved off SAVE.
What you need
Loan balance, interest rate, income, household size.
What you get
Every plan you qualify for, side by side, monthly and lifetime.
Open compare repayment plans

Can I actually live on this payment?

Whether a payment actually fits your income before you commit to it.

Who it's for
Anyone looking at a number and unsure whether to commit to it.
What you need
The payment, your income, your other monthly debts.
What you get
The payment as a share of take-home, once other debt is counted.
Open affordability check
02
Pay less

Spend less getting to zero

Once the plan is settled, these three show where the money actually goes and what changes it. Small differences compound over a twenty-year term in ways that are hard to picture without the figures in front of you.

What does paying extra actually save me?

Find out what paying a little extra each month takes off your loan.

Who it's for
Borrowers with room in the budget who want the debt gone sooner.
What you need
Balance, rate, current term, the extra you could manage.
What you get
Months saved and total interest avoided.
Open payoff accelerator

Where does each dollar of my payment go?

Every payment for the life of the loan, and where each dollar goes.

Who it's for
Anyone who can't see why the balance barely moves.
What you need
Balance, rate, term.
What you get
Every payment for the life of the loan, split interest and principal.
Open amortization schedule

Would consolidating help or hurt?

Your weighted average rate, and why consolidating rarely saves money.

Who it's for
Borrowers with several loans at different rates.
What you need
The balance and rate of each loan.
What you get
Your weighted average rate, and what consolidating costs you.
Open consolidation rate
03
Forgiveness

Track what gets written off

Forgiveness is the reason income-driven plans are worth the paperwork, and the reason a canceled balance can arrive with a tax bill attached. These two work as a pair: estimate the forgiveness, then the tax on it.

How close am I to public service forgiveness?

Public service forgiveness: how far along you're and what gets written off.

Who it's for
Government and non-profit employees.
What you need
Your qualifying payment count from studentaid.gov.
What you get
Payments remaining, the date, and the balance written off.
Open pslf estimator

What tax bill arrives when my balance is forgiven?

The tax bill that arrives the year an income-driven balance is canceled.

Who it's for
Anyone on an income-driven plan heading for cancellation.
What you need
Expected forgiveness amount and your income that year.
What you get
The estimated federal tax on the canceled balance.
Open forgiveness tax estimator
04
Big decisions

Choices that are hard to undo

Refinancing federal loans privately can't be reversed, and a pause you take today is still on the balance years later. Each of these shows the cost as well as the benefit, because the cost is the part usually left out.

Should I refinance privately?

Private refinancing against staying federal, including what you give up.

Who it's for
Higher earners with stable jobs and no forgiveness plans.
What you need
Your federal terms and the private quote you have been given.
What you get
The saving, and a plain list of the protections you give up.
Open refinance comparison

What does pausing payments really cost?

What a forbearance adds to your balance and to every payment after it.

Who it's for
Anyone considering a pause, or coming out of one.
What you need
Balance, rate, and how many months you would pause.
What you get
What the pause adds to the balance and to every later payment.
Open cost of pausing
Side by side

All nine at a glance

The same information in one table, for when you already know roughly what you are looking for.

CalculatorAnswersYou needTime
Compare repayment plans Which repayment plan should I actually be on? Loan balance, interest rate, income, household size. 3 min
Payoff accelerator What does paying extra actually save me? Balance, rate, current term, the extra you could manage. 1 min
PSLF estimator How close am I to public service forgiveness? Your qualifying payment count from studentaid.gov. 2 min
Refinance comparison Should I refinance privately? Your federal terms and the private quote you have been given. 2 min
Forgiveness tax estimator What tax bill arrives when my balance is forgiven? Expected forgiveness amount and your income that year. 2 min
Affordability check Can I actually live on this payment? The payment, your income, your other monthly debts. 1 min
Amortization schedule Where does each dollar of my payment go? Balance, rate, term. 1 min
Consolidation rate Would consolidating help or hurt? The balance and rate of each loan. 2 min
Cost of pausing What does pausing payments really cost? Balance, rate, and how many months you would pause. 1 min
Not sure where to start?

Start with the comparison

It takes about three minutes, it covers every plan you qualify for including RAP, and its answer tells you which of the other eight calculators are worth your time.

Compare my plans