✦ 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.

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.

Privacy Policy

Last updated: April 2026

Overview

LoanSolver ("we", "our", or "us") operates loansolver.org. This Privacy Policy explains how we collect, use, and protect information when you use our website. By using LoanSolver, you agree to the terms of this policy.

Information We Collect

LoanSolver is a free calculator tool. We do not require you to create an account or log in. The loan and income information you enter into the calculator is processed entirely in your browser and is never transmitted to or stored on our servers. We do not collect, store, or have access to any of the financial figures you enter.

If you choose to submit your email address to receive policy update notifications, we collect and store that email address for the sole purpose of sending you those updates.

Advertising

We use Google AdSense to display advertisements on this site. Google AdSense may use cookies and web beacons to serve ads based on your prior visits to this and other websites. Google's use of advertising cookies enables it and its partners to serve ads based on your visit to our site and other sites on the internet. You may opt out of personalized advertising by visiting Google's Ads Settings. For more information on how Google uses data, visit How Google uses data when you use our partners' sites or apps.

Cookies

We do not use our own cookies. However, third-party advertising partners such as Google AdSense may place cookies on your browser to serve personalized ads. You can control cookie settings through your browser preferences.

Third-Party Links

Our site may contain links to third-party websites including student loan refinancing lenders. These sites have their own privacy policies and we are not responsible for their content or practices. We encourage you to review the privacy policy of any site you visit.

California Residents (CCPA)

If you are a California resident, you have the right to know what personal information we collect and to request that we delete it. Since we do not store any financial information you enter into the calculator, the only personal data we may hold is your email address if you opted in to notifications. To request deletion, email us and we will remove your information promptly.

Disclaimer

LoanSolver is an informational tool only. The calculations provided are estimates and should not be considered financial, legal, or tax advice. Always verify repayment plan details with your loan servicer and consult a qualified financial advisor before making decisions about your student loans.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated date. Continued use of the site after changes are posted constitutes acceptance of the updated policy.

Contact

If you have any questions about this Privacy Policy, you can reach us at loansolver.org.