StudentLoanCompass helps you map your repayment path year by year so you can compare realistic federal plan scenarios and plan with more confidence.
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Illustrative sample only. These are not live results or your data.
It can't project what happens when your income changes in year 3, or when you get a raise.
Real life means tax refunds, bonuses, dry spells. Most tools barely account for that.
Standard, Graduated, Extended, IBR, PAYE, ICR, and important legacy edge cases all matter, but most tools leave key options out or explain them poorly.
Set your exact income for each year, or use a growth rate. Know how your IDR payments change as you advance in your career.
Got a $3,000 tax refund? A holiday bonus? Schedule one-time payments in specific months and see the exact impact on your payoff date.
Standard, Graduated, Extended, IBR, PAYE, and ICR are currently modeled together on one screen, with broader federal plan context explained throughout the site.
See the modeled year-by-year path, not just a summary. Watch how payments, interest, and balance change over time.
Based on the information you enter, we highlight which currently modeled plan appears to cost the least and where tradeoffs deserve a closer look.
No account, no email, no premium tier. StudentLoanCompass is a public good.
Balance, interest rate, income, family size. Takes 60 seconds.
Tell us if you expect raises, career changes, or income fluctuations year by year.
Compare the currently modeled repayment paths year by year using your inputs and assumptions. Make a more informed decision before you talk with your servicer.
But with StudentLoanCompass, you can build a clearer repayment estimate in the next 5 minutes.
Launch the Calculator →