Nine tools for the 2026 transition
Each one answers a single question and explains what the answer means. Nothing here asks who you're.
All nine calculators
Compare repayment plans
See every plan you qualify for, side by side, with what each costs monthly and in total.
Payoff accelerator
Find out what paying a little extra each month takes off your loan.
PSLF estimator
Public service forgiveness: how far along you're and what gets written off.
Refinance comparison
Private refinancing against staying federal, including what you give up.
Forgiveness tax estimator
The tax bill that arrives the year an income-driven balance is canceled.
Affordability check
Whether a payment actually fits your income before you commit to it.
Amortization schedule
Every payment for the life of the loan, and where each dollar goes.
Consolidation rate
Your weighted average rate, and why consolidating rarely saves money.
Cost of pausing
What a forbearance adds to your balance and to every payment after it.
All of these are free and always will be. Enrolling in a repayment plan, applying for forgiveness and consolidating are also free at studentaid.gov. Anyone charging you for those is running a scam.