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Student Loan Calculator
Compare Standard, Graduated, IBR, SAVE, and PSLF repayment plans side-by-side. Find the plan that costs you the least.
Federal Poverty Guideline: $15,060
Discretionary Income (IBR): $32,410
Lowest Total Cost
Standard (10yr)
Total out-of-pocket: $47,776 · Monthly: $398
Standard (10yr)
Monthly
$398
Total Paid
$47,776
Forgiven
—
Graduated (10yr)
Starts low, increases every 2yr
Monthly
$239
Total Paid
$54,942
Forgiven
—
IBR (20yr)
10% of discretionary income
Monthly
$270
Total Paid
$61,146
Forgiven
—
SAVE (20yr)
5% of discretionary — most affordable
Monthly
$88
Total Paid
$21,115
Forgiven
$85,644
Total Cost Comparison
IDR plan calculations are simplified estimates. Actual payments are recalculated annually based on income. SAVE plan interest subsidy not included. Consult studentaid.gov for official calculations.
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