What to Expect

Repayment Estimator


When you are signed in, your loan information from the National Student Loan Data System (NSLDSŪ) is used to estimate:
  • initial monthly payments
  • repayment plan eligibility
  • repayment plan cost comparison
  • total interest paid

When you are not signed in, you may add your loans here, or use the average loan balances provided to estimate:
  • initial monthly payments
  • repayment plan eligibility
  • repayment plan cost comparison
  • total interest paid



Your spouse's eligible federal student loans and income may be taken into account if:
  • you file a joint federal income tax return with your spouse.
  • you and your spouse have a joint Direct or FFEL Consolidation Loan.
If either of these apply, your spouse's income, loan amount(s) and interest rate(s) should be added to provide more accurate payment information.



Calculations assume income increases of 5 percent a year, and poverty guideline increases of 3.3 percent a year.


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