Student Loan Payoff

Compare payoff strategies and start saving

Loan Details

Current Loan
Extra Payment
Refinance Comparison
Federal IDR Plan Compare

Federal income-driven repayment compares against your current loan only. SAVE was vacated by the 8th Circuit in 2025 — shown for legacy reference. Refinancing into a private loan disqualifies you from all IDR plans and forgiveness.

Current Payoff

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With Extra Payment

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Refinanced

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Total Cost Comparison

Accelerated Payoff Schedule

Month-by-month accelerated payoff schedule with extra payments
Month Payment Interest Principal Balance

Federal IDR Plan Compare

Federal income-driven repayment plans compared by monthly payment, total cost, and forgiven balance
Plan Monthly Payment Months Total Paid Total Interest Forgiven

*SAVE was vacated by the 8th Circuit in 2025; shown for legacy reference. Forgiven balances under IDR may be taxable as income depending on year and federal law.