Calculators

Every number you need before you enroll, before you borrow, and every year you're paying a loan back.

Before you enroll

Size up the cost and the savings side before you commit to a school.

Estimate your total 4-year cost of attendance — tuition, room & board, books, and fees — after aid, with realistic year-over-year cost growth.

Project how a current balance plus monthly contributions grows by enrollment, with a year-by-year breakdown of contributions vs. investment growth.

Model a loan, then compare every way to change what it costs you.

Calculate your monthly student loan payment, total interest paid, and payoff date, with a full year-by-year amortization schedule.

Compare your current loan against a refinance offer side by side — monthly payment, total interest, and how much a new rate and term actually saves.

See what combining several student loans into one actually does to your rate and payment, compared with keeping them separate.

Get a ballpark income-based student loan payment from your income and family size, using the traditional discretionary-income formula.