Student Loan Calculator 2026
Calculate monthly payments, total interest, and payoff date — Standard, IBR, PSLF & Custom plans — 2026 figures
Loan Details
2026 undergrad rate: 6.39% | Grad: 7.94% | PLUS: 8.94%
See how extra payments reduce your interest and payoff time
Your Loan Summary
Principal vs Interest
Balance Over Time
Amortization Schedule
| Year | Payment/Mo | Principal Paid | Interest Paid | Balance |
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Estimates only. 2026 rates from StudentAid.gov. IDR payments based on 2026 Federal Poverty Guidelines. SAVE plan terminated — not available. IDR forgiveness is taxable as of 2026. PSLF forgiveness remains tax-free. Consult a student loan advisor for personalized guidance.