Student Loan Calculator - TCI

Compare every federal student loan repayment plan (IBR, PAYE, ICR, SAVE & the new RAP) with payments, forgiveness, PSLF eligibility, and a built-in tax-bomb estimator.

See exactly what your student loans monthly payment will be — on every repayment plan — in seconds.

The Student Loan Calculator, from The College Investor, compares all of today's federal repayment plans side by side so you can find your lowest payment, your true total cost, and how much could be forgiven.

WHAT YOU GET • Every plan in one place: Tiered Standard, Standard, Graduated, Extended, plus the income-driven plans IBR (Old & New), PAYE, ICR, SAVE, and the new RAP. • Monthly payment, total interest, total paid, and projected forgiveness for each plan. • Plans sorted by lowest monthly payment, so your most affordable option is first. • PSLF Eligible badges on the plans that qualify for Public Service Loan Forgiveness.

BUILT-IN TAX BOMB ESTIMATOR Loan forgiveness after 20–30 years can be taxable. Tap any plan's forgiveness amount to jump straight into the Tax Bomb calculator, which estimates your potential federal tax bill — and applies the IRS insolvency rule that can reduce or even eliminate it.

WHY IT'S DIFFERENT • Built by The College Investor, helping borrowers navigate money and education since 2009. • Works fully offline — your numbers never leave your device. • Fast, clean, and free.

Estimates only. Results depend on your loan details and current federal rules, and are not financial, tax, or legal advice. Always confirm with your loan servicer or a qualified professional.

Questions? Visit TheCollegeInvestor.com.