🧭 Repayment Planner

Compare the major federal repayment plans currently modeled here side by side. Model your income year by year, schedule irregular extra payments, and review a long-range repayment estimate based on current rules and your inputs.

📋 Your Loan Details
Modeling Mode
Choose how you want to model your loans

Basic is the quick weighted-average version.
Advanced lets you enter each loan separately so eligibility and payment math can follow the federal repayment rules more closely for the plans currently modeled here.

Portfolio Inputs
$
Federal loans only. Combine all balances if you have multiple loans.
%
Use a weighted average if you have multiple loans at different rates.
Basic mode is a summary view of your portfolio. If you edit these numbers, your detailed loan list becomes one summarized loan.
Detailed Loan Inputs
Primary Import

Import from StudentAid.gov export

This file can contain sensitive personal information like your name, address, email, phone number, and loan identifiers. StudentLoanCompass does not need that personal information to build your loan list.

For privacy, the import is processed locally in your browser. This site does not upload, store, or send your file anywhere. If you want, you can delete personal lines from the file before importing it.

Recommended source: the official MyStudentData.txt export from StudentAid.gov.

How to get your file from StudentAid.gov
  1. Log in at StudentAid.gov.
  2. Open the Loans drop-down menu and select My Loans.
  3. On the My Loans page, use Download My Aid Data in the top-right area to download the text file, usually named MyStudentData.txt.
  4. Come back here and import that file, or paste its contents into the text box below.
No file chosen

Import Preview

No file loaded yet.
Optional Add-On

Import payment counter JSON Experimental

Use this only if you also want to bring in prior payment-credit progress for matching loans and matching repayment plans.

How to get the optional counter JSON
  1. Log in to StudentAid.gov in your browser first.
  2. In that same logged-in browser, open the hidden payment-counter summary endpoint.
  3. If the page shows raw JSON text, either copy all of it and paste it below, or save it into a file ending in .json such as Summary.json.
  4. Then import or paste that raw JSON here so this planner can match prior payment-credit counts to your loans.

This works only if the endpoint opens in the same logged-in browser session. If the browser shows formatted JSON, copy the full response body or save the raw response as a .json file. This endpoint is unofficial and may change or disappear.

No counter file chosen

Counter Import Summary

No payment counter JSON loaded yet.
Important: mixed per-loan counts are normal. Older loans may show more progress than newer loans, and consolidation is not a simple reset-or-keep-everything decision. Current federal rules are more nuanced and can involve weighted-average carryover plus plan-eligibility tradeoffs.
Loans Entered0
Total Owed$0
Weighted Avg Rate0.00%
Advanced mode uses official repayment-plan formulas plus per-loan balances and rates for the plans modeled here: Standard, Graduated, Extended, ICR, IBR, and PAYE. Results are educational estimates, not individualized advice, and some real-world servicing details can still vary. Some paths on the Repayment Plans page, including Extended Graduated, Income-Sensitive, Alternative Repayment, and SAVE, are not all modeled here because they are either inactive, legacy, or not transparent enough to support responsibly with one universal formula. Current rules source links: Standard, Graduated, Extended, Income-Driven, 34 CFR 685.208, 34 CFR 685.209, and the 2026 HHS poverty guidelines.
Household Inputs
$
Enter a before-tax income estimate. Best is the AGI your servicer would likely use today: usually AGI from your most recently filed federal tax return. Example: in 2026, that often means your 2025 tax return. If you have not filed yet, your servicer may still be using an older filed return or current income documentation. Do not use take-home pay.
$
Leave at $0 if single. Enter the spouse's before-tax income estimate, ideally the AGI that would likely be used today. Example: in 2026, that often means the spouse's 2025 tax return if that is the most recently filed return. If filing is not complete yet, an older filed return or current income documentation may still be what gets used. Do not use take-home pay. It counts for IBR, PAYE, and the current ICR estimate only when filing status below uses combined income.
For IBR and PAYE, joint filing normally uses combined income. Separate filing or joint-but-separated handling uses borrower income only.
$
Used only for IBR and PAYE when joint filing includes spouse income. Enter the spouse's eligible Direct / FFEL principal plus outstanding interest.
Per StudentAid.gov: include yourself, your spouse (if married), your children — including unborn children if you are currently pregnant — and any other dependents you'll claim on your taxes.
Alaska and Hawaii use higher federal poverty guidelines, which lowers your IDR payment.
Eligibility History Checks Optional
These are optional history checks for legacy IDR plan access. Most borrowers coming from SAVE or REPAYE can leave these at Not sure and treat PAYE / ICR results as estimates to verify later with StudentAid.gov or their servicer.
How to answer these if you were on SAVE or REPAYE
  • If your dashboard or servicer showed SAVE or REPAYE, answer No for the PAYE and ICR questions unless it specifically showed PAYE or ICR instead.
  • If you do not remember your exact old plan, leave Not sure. That is safer than guessing.
  • For IBR Borrower Status, choose New borrower on/after July 1, 2014 only if you had no earlier federal student loan debt before that date.
  • For the 60+ REPAYE / SAVE question, answer Yes only if you are reasonably confident you already built up at least 60 qualifying REPAYE or SAVE payments on or after July 1, 2024. If you cannot tell from your records, leave it at Not sure.
  • A practical place to check your current or past plan name is the StudentAid.gov dashboard or your servicer account loan details / repayment-plan history.
This is about when you first had federal student loan debt. If you borrowed before July 1, 2014, choose the older-borrower option. If you are unsure, leave Not sure.
Answer Yes only if your actual plan name was PAYE on that date. If you were on SAVE or REPAYE, answer No. If you do not know, leave Not sure and treat PAYE as a scenario to verify.
Answer Yes only if your actual plan name was ICR on that date. If your account showed SAVE or REPAYE instead, answer No. If you are unsure, leave Not sure and the calculator will stay cautious.
Most borrowers should leave this at Not sure unless they have records showing 60 or more qualifying REPAYE or SAVE payments from on or after July 1, 2024. Do not guess here.
Married-borrower ICR note: the current ICR estimate uses combined income for joint-filing scenarios, but it does not model the formal joint ICR election or spouse-loan payment proration. Treat married-borrower ICR results as directional planning estimates.
Income Used For The Current Payment Estimate $55,000
This calculator currently models Standard, Graduated, Extended, ICR, IBR, and PAYE. Results are educational estimates based on current rules and the information you enter. Long-range projections use current poverty-guideline and repayment-rule baselines. Forgiveness timelines start from a fresh modeled path unless matching prior credit is brought in through the optional experimental counter import, and even then the site does not yet fully model every carry-in-credit or consolidation scenario. For the broader federal plan landscape, including Extended Graduated, legacy options, and inactive options, see Repayment Plans.
🧭 Plan Cards
⚖️ Side-by-Side Comparison
PlanTypeStarting Pmt/mo Total PaidTotal Interest Amount ForgivenPayoff / Forgiveness
📅 Year-by-Year Breakdown — Select a Plan
Click a payment-year row to open its month-by-month detail.
Payment YearIncome UsedBase Pmt/mo Extra PaidTotal PaidInterest Accrued Applied to Current InterestPaid Down Older Interest Applied to PrincipalBalance (year end)
🟡 Yellow rows = extra payments applied  |  🔴 Red rows = balance growth in some months  |  `Interest accrued`, `Applied to current interest`, `Paid down older interest`, and `Applied to principal` now add up to explain where the payment went