Student Loan Calculator

See your payoff date, total interest, and what refinancing could save you.

Current Balance ($)

Interest Rate (%)

Monthly Payment ($)

Extra Monthly Payment ($)

Your Results

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Months to Pay Off

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Years to Pay Off

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Total Interest Paid

🎓 Lower Your Rate

Refinancing could drop your rate by 1-3% and save thousands. Check your rate without hurting your credit score.

Check Refinancing Rates →

How This Works

This calculator shows how long it will take to pay off your student loans with your current payment amount. We also calculate what adding extra each month saves you in interest and time.

About refinancing: If you have federal loans, refinancing into private loans means losing federal protections (income-driven repayment, forgiveness options). Weigh the pros and cons carefully.