Student loan repayment utility
Understand Your Student Loan Repayment Path
Estimate your federal student loan payment, understand your repayment timeline, and track your progress in one simple tool.
Free estimate • No account required to calculate
Educational estimates — not an official determination of eligibility, payment amount, or forgiveness.
A clear repayment snapshot
See an estimated monthly payment, annual total and timeline based on what you enter.
Assumptions shown, always
Every estimate lists the assumptions behind it and flags what we can't reliably calculate.
No sensitive credentials
We don't need your Social Security number or federal student-loan login credentials.
Calculator
Estimate your federal student loan payment
Four short steps. No account needed, and you can go back and edit any answer.
- 1Loans(current step)
- 2Income
- 3Household
- 4Progress
Total current balance across your federal loans.
A blended average across your loans is fine.
Loan type can affect which federal options are available. We make no eligibility assumption.
Disbursement timing may affect which current federal repayment options are available.
Plan availability can change. LoanPath does not treat your selection as proof of eligibility.
We don't need your Social Security number, federal StudentAid.gov password, loan-servicer password, bank account number, full tax return or government ID.
How it works
Three steps from estimate to ongoing tracking
1. Calculate
Enter your loan, income and household information.
2. Save
Create a free account to save your estimate.
3. Track
Record payments and monitor your repayment progress.
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Sponsored area
Explore Financial Options
You may also want to explore financial products and services that could help you manage your financial goals. These general placeholders are not personalized from your calculator or tracker information.
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Budgeting or cash-flow tool
Reserved slot for a future partner that helps borrowers plan monthly cash flow around a loan payment.
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Savings or emergency-fund account
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Financial coaching or advice
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Advertising disclosure: Some links on LoanPath may be affiliate links. We may earn a commission if you use certain links, at no additional cost to you.
FAQ
Questions about repayment estimates and tracking
Plain-English answers about what this federal loan repayment estimator and forgiveness progress tracker can and can't do.
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Important disclaimer
Important Information
LoanPath provides educational estimates and personal tracking tools. It is not the U.S. Department of Education, Federal Student Aid, a loan servicer, financial institution, law firm or government agency.
Calculator results are estimates based on the information you provide and assumptions shown with your result. Your official payment, eligibility, qualifying-payment count and forgiveness determination may be different.
We don't need your Social Security number or federal student-loan login credentials to use this calculator, and we never ask for loan servicer passwords or bank account numbers.
For official rules, eligibility and payment counts
Federal Student Aid is the authoritative source for federal repayment plans, forgiveness programs and your official loan record. LoanPath is independent and is not affiliated with, partnered with or endorsed by any government agency.
Visit Federal Student Aid