Federal Student Aid: Repayment Estimator
Use the Repayment Estimator when you're:
beginning repayment of your federal student loans for the first time; or exploring repayment options based on your income.
If you have already been repaying your federal student loan(s) and want to explore the Standard, Graduated, or Extended repayment plans, we recommend contacting your loan servicer to explore the best repayment option for you. You can still use the Repayment Estimator to help you estimate your monthly payments, but the payment estimates will be less accurate the longer you've been in repayment.