Compare your federal student loan payments.
Five inputs. We’ll estimate your monthly payment under the Standard 10-year plan and the three main income-driven plans — SAVE, PAYE, and IBR.
Estimates only. Based on 2025 HHS Federal Poverty Guidelines and current federal repayment-plan formulas for the 48 contiguous states and DC. Not financial advice. Real numbers depend on your loan types, filing status, PSLF eligibility, and other factors a licensed strategist can review with you on a free consultation.
Tell us about your loans.
Five inputs. We’ll estimate your monthly payment under four federal plans.
The total you owe across all federal loans.
If you have multiple loans, estimate the average. Typical: 4%–8%.
From line 11 of your federal tax return.
You + dependents claimed on your tax return.
Your estimates appear here.
Fill in your numbers on the left and hit Calculate my payments to compare the four main federal repayment plans.
What this calculator does (and doesn’t).
What we model
- Standard 10-year amortized payment
- SAVE plan (5% undergrad / 10% grad of discretionary, above 225% poverty line)
- PAYE (10% of discretionary, above 150% poverty, capped at Standard)
- IBR for new borrowers (10% of discretionary, capped at Standard)
What we skip
- Loan-by-loan input (weighted average is enough for an estimate)
- Filing-status election (married filing separately changes IDR math)
- PSLF qualifying-payment count (case-by-case)
- Capitalized interest, deferment / forbearance windows
- Older-borrower IBR (15% rate, 25-year forgiveness)
- SAVE litigation freeze and recent rule changes
For your real numbers — across every program you qualify for, including PSLF, Borrower’s Defense, and Disability Discharge — a licensed ClearPath strategist will pull your full NSLDS record on a free 30-minute consultation and model every option against your actual situation.
Ready for a real student loan plan?
Book a free 30-minute consultation. No pressure, no obligation, no surprise charges.