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Student loan payment calculator
Model a standard repayment plan before exploring refinancing or federal repayment options.
$
%
years
Estimated monthly payment
$434
Estimated total interest
$12,093
How this calculation works
We use standard compound-interest or fixed-payment amortization math. Results are estimates, exclude provider-specific fees unless stated, and are designed for side-by-side planning.
Check the assumptions
Rates, taxes, insurance, fees, and eligibility can change the real cost. Compare current offers and verify terms before making a financial decision.