Student Loan Calculators
Understand your options. Estimate your payments. Regain control.
Whether your goal is to lower your monthly payment, get out of default, or recover from financial hardship, our calculators help you estimate your federal student loan options based on your income, family size, and situation.
Each calculator uses the latest 2025 poverty guidelines and official Department of Education formulas — so your estimates stay accurate and up to date.
💰 Income-Driven Repayment (IDR) Calculator
Lower your payments. Protect your budget. Stay on track.
Estimate your monthly payment under Income-Driven Repayment plans like SAVE, PAYE, and IBR — based on what you actually earn, not what you owe.
See how your payment could drop to as low as $0/month and stay eligible for loan forgiveness after consistent repayment.
🔧 Loan Rehabilitation (REHAB) Calculator
Repair your default. Rebuild your credit. Restart your future.
If your loans are in default, use this calculator to estimate your affordable monthly REHAB payment — and see how completing 9 on-time payments can help you remove the default from your credit report.
Includes both the standard 15% formula and a lower, income-based estimate using your real expenses.
🕊️ Repayment Assistance Plan (RAP) Calculator
Get temporary relief. Reduce your payment. Regain control.
If your payments are too high right now, the RAP Calculator helps you estimate a short-term, income-based payment based on 10% of your discretionary income — sometimes as low as $0/month.
Designed to help borrowers stay in good standing while recovering from financial hardship.
📄 Adjusted Gross Income (AGI) Calculator
Estimate your income. Update your plan. Stay current.
If your income has changed since your last tax return, use this calculator to estimate your current AGI using your most recent pay stubs.
Get an accurate picture of your earnings and use the result to update your IDR, REHAB, or RAP estimates.
How to Use These Calculators
- Start with the calculator that best matches your situation.
- Enter your income, family size, and state (as prompted).
- Review your estimated monthly payment or income.
- Connect with an expert to confirm eligibility or apply.
Not Sure Where to Start?
Every borrower’s situation is different — and we’re here to help you find the most affordable path forward.
Our experts can review your options and guide you toward the best repayment plan for your goals.