Skip to main content
    Student loans

    Student Loan Payment Calculator

    Estimate monthly payment, total paid, and interest over time for a balance, APR, and term.

    3–5 min

    Typical time to complete

    Everyone

    Designed for this audience, usable by anyone

    Educational estimate

    Verify final numbers with official records and plan documents

    Student loans

    Student Loan Payment Calculator

    Estimate monthly payment, total paid, and interest over time for a balance, APR, and term.

    Read: Student Loans Section

    $

    Total loan principal.

    %

    Fixed yearly rate.

    yrs

    Loan term in years.

    Monthly payment
    $232.22
    Total paid
    $27,866.04
    Total interest
    $7,866.04
    What this means

    This calculator assumes a fixed rate and equal payments. Actual loan costs may differ due to fees or variable rates.

    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.

    Need a different kind of help?

    Return to the directory to search every calculator, checklist, and guided decision workflow.

    Browse all tools