Repayment Estimator

Personal Information

Adjusted Gross Income

Include all taxable income you are currently receiving, such as:

  • Income from Employment
  • Unemployment Income
  • Dividend Income
  • Interest Income
  • Tips
  • Alimony

Do not include untaxed income such as Supplemental Security Income, child support, or federal or state public assistance.

If you are married and filed a joint return, include your spouse's taxable income as defined above.

Months in Repayment

Enter the number of months you have been in repayment.

Example:
If you had 120 months to repay your loan and you have already made 10 monthly payments, you would enter 10 as your Months in Repayment.




Loan Information





















10 Year Repayment Plans

Standard Repayment

It's the fastest and most cost-effective repayment plan. Your estimated monthly payment is based on 10 years left of the standard 10 years to repay or 30 years of repayment if you have a Consolidation loan.

View details & eligibility information.

Graduated Repayment

This plan allows for lower payments to start, which gradually increase over time. Your estimated monthly payment is based on 10 years left of the standard 10 years to repay.

View details & eligibility information.

25 Year Extended Repayment Plans

Extended Fixed Repayment

Your estimated monthly payment is based on 25 years left of the 25 years to repay.

To qualify for this repayment plan, you must have more than $30,000 in outstanding FDLP (Federal Direct Loan Program) or FFEL (Federal Family Education Loan Program) Loans. Although you don't qualify for the Extended Fixed Repayment, you may meet the requirements for other repayment plans we offer.

View details & eligibility information.

Extended Graduated Repayment

Your estimated monthly payment is based on 25 years left of the 25 years to repay.

To qualify for this repayment plan, you must have more than $30,000 in outstanding FDLP (Federal Direct Loan Program) or FFEL (Federal Family Education Loan Program) Loans. Although you don't qualify for the Extended Graduated Repayment, you may meet the requirements for other repayment plans we offer.

View details & eligibility information.

Income-Driven Repayment Plans

Pay As You Earn

For Direct Loans Only: Your estimated monthly payment is for one year, and is calculated based on your adjusted gross income (and your spouse's income, if you're married) and family size. You must reapply annually with updated income information.

You do not appear to have a partial financial hardship (based on the personal information you reported), so you don't qualify for Pay As You Earn. Although you don't qualify for this plan, you may meet the requirements for other reduced repayment plans we offer.

View details & eligibility information.

Income-Based Repayment

Your estimated monthly payment is for one year. You must reapply annually with updated income information.

Your estimated monthly payment would be higher than other repayment plans we offer. Although you don't qualify for the Income-Based Repayment, you may meet the requirements for other repayment plans we offer.

View details & eligibility information.

Income-Contingent Repayment

For Direct Loans Only: Your estimated monthly payment is for one year, and is calculated based on your adjusted gross income (and your spouse's income, if you're married), family size, and the total amount of your eligible loan debt. You must reapply annually with updated income information.

For Direct Loans Only: Your estimated monthly payment would be higher than other repayment plans we offer. Although you don't qualify for the Income-Contingent Repayment, you may meet the requirements for other repayment plans we offer.

View details & eligibility information.

Income Sensitive Repayment

For FFEL Loans Only: Your estimated monthly payment amount is for one year, and is based on your total monthly gross income. You must reapply annually with updated income information.

For FFEL Loans Only: Your estimated monthly payment would be higher than other repayment plans we offer. Although you don't qualify for the Income Sensitive Repayment, you may meet the requirements for other repayment plans we offer.

View details & eligibility information.

NOTE: The results shown are based on the information you provided and are estimates only. Some restrictions apply for certain repayment plans. Not all loans are eligible for certain repayment plans. View the details for each option on the next page for specific plan information.

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