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    Student loans

    PSLF Progress Estimator

    Estimate payments remaining to 120 and identify the records that still need official verification.

    Check my PSLF progress Browse all tools

    3–5 min

    Typical time to complete

    Healthcare workers

    Designed for this audience, usable by anyone

    Educational estimate

    Verify final numbers with official records and plan documents

    Student loans

    PSLF Progress Estimator

    Estimate payments remaining to 120 and identify the records that still need official verification.

    Read: Student Loans Section

    PSLF starts with eligible federal loans.

    Use the employer EIN when verifying.

    Use certified count when possible.

    $

    Expected qualifying payment.

    $

    Current federal loan balance.

    Input status
    Looks PSLF-aligned
    Payments remaining to 120
    96
    Estimated time remaining
    8.0 years
    Estimated cash paid before 120
    $33,600
    Balance not covered by those payments
    $18,400
    Not a forgiveness estimate. Actual PSLF forgiveness is the remaining eligible principal and accrued interest after all rules are met.
    Before trusting this number
    • Confirm loan type in StudentAid.gov.
    • Certify employer eligibility and payment count.
    • Verify that the repayment plan qualifies.
    • Do not treat this as a guaranteed forgiveness estimate.
    Educational only. Not individualized financial, investment, tax, legal, insurance, medical, billing, employment, or benefits advice. Results are not official eligibility, coverage, authorization, tax, billing-liability, or plan determinations.
    After this tool

    Use the result in your next decision

    Start with the closest related action. The other tools remain available as quieter alternatives.

    Loan Path Finder

    Separate federal forgiveness paths from private-loan payoff decisions before choosing a strategy.

    Use Loan Path Finder
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