✦ Federal Student Loan Repayment Calculator

Find your best repayment plan in 2 minutes.

Enter your loan details and income to instantly compare every federal repayment plan — side by side, in plain English.

5Plans compared
43MBorrowers affected
2 minTo your answer
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What matters most to you?

Your goal shapes which plan we recommend.

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Lowest monthly payment
I need breathing room in my budget right now
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Lowest total cost
I want to pay as little as possible over time
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Fastest forgiveness
I'm aiming for IDR or PSLF forgiveness
📊
Show me everything
I want the full picture and I'll decide

Your personalized repayment analysis

Based on your goal and financial situation

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📊 Full Plan Comparison

Plan Monthly Payment Forgiveness Amount Forgiven Tax Bomb True Cost
⚠️ Important: These calculations are estimates for planning purposes only. Actual payments may vary based on your loan servicer's calculations and annual recertification. RAP figures are based on the current 2026 OBBBA proposal and are not yet final law. The tax bomb estimate uses a blended 30% rate — your actual liability depends on your income and state at time of forgiveness. Always verify with your loan servicer and a qualified student loan advisor before making decisions.
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Glossary & Key Terms

Plain-English explanations of every term you'll encounter in student loan repayment.

Dr. Jonathan Kim DMD

Hi, I'm Jonathan.

DMD · New York

I'm a dentist practicing in New York. Between college and dental school, I graduated with a significant amount of student loan debt and absolutely no clear idea of what to do with it.

I spent hours trying to understand the difference between IBR, PAYE, ICR, and SAVE. Every time I felt like I had a handle on things, the rules would change again the following year. It was stressful, confusing, and honestly exhausting, especially when you're also trying to focus on building a career.

I built LoanSolver because I didn't want other borrowers to go through that same frustration. This tool gives you a clear, side-by-side comparison of every available repayment plan based on your actual numbers, so you can make an informed decision without needing to be a student loan expert.

A note on accuracy: Student loan policy changes frequently. I update the calculator whenever repayment rules, poverty guidelines, or forgiveness terms change — but I always recommend verifying your results with your loan servicer or a qualified student loan advisor before making any final decisions.