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This calculator will compute your monthly payments on a student loan given the current balance on the loan, the interest rate and the loan term. If there are any loan fees or minimum monthly payments that are associated with your student loans, these figures should also be added in the input columns.
A Graduated Repayment Plan allows recent grads to start off with lower, more manageable payments that gradually increase over the life of the loan.
This calculator computes the payment amounts you'll likely expect with a Graduated Repayment Plan. Simply input your loan info and the calculator will provide you with total cost estimates as well as how much the payments will be and how many you'll need to make using a Graduated Repayment Plan.
The Income Contingent Repayment (ICR) Plan makes it easier for recent graduates to pay off their student loan debts by basing their monthly payments off of the borrower's income and family size in addition to the total amount owed.
Input your loan, income and household information. The calculator will generate the total cost of an ICR Plan, including the repayment term and monthly payments.
Federal Direct Student Loan Consolidation combines all of your student loans into one, larger loan with a single interest rate.
Input the balance and interest information for each of your student loans into the calculator or simply upload an existing loan profile. Next, indicate which loans you wish to consolidate under the Federal Direct Student Loan Consolidation guidelines. The calculaor will compute the total loan cost of the new, consolidated loan.
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"Our students found Debt Free U to be a valuable resource. We're excited about our center’s collaborative efforts with Debt Free U aimed at strengthening the financial literacy skills of our students" -Paul F. Goebel, Director of UNT's Student Money Management Center
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