StudentLoans.gov Home Page
English | Espaņol
What You Need
Repayment Estimator

There are two ways to access the Repayment Estimator:

1. Log in to StudentLoans.gov using your FSA ID and Select "Repayment Estimator" on the left-hand navigation bar

  • your federal student loan information available in the National Student Loan Data System (NSLDS) will be used to estimate:
    • initial monthly payments
    • repayment plan eligibility
    • repayment plan cost comparison
    • total interest paid

You must log in using your own FSA ID. If you are a new user or have forgotten your FSA ID, click here.

Use of another person's FSA ID constitutes fraud. Use only your own FSA ID information.

2. Select "Repayment Estimator" under "Managing Repayment" on the top navigation bar of the StudentLoans.gov home page.

  • You may add your loans, or use 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.


Useful information to have:

Click the browser's back button to return to the previous page.