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You can manage your student loan debt. We can help.
The average graduate has $28,100 in student loan debt that will cost $39,242 between now and 2028. Click through the repayment options to see how they will affect your monthly payment and total loan cost. Remember you can: (1) Upload your actual data from NSLDS or manually enter your actual loan amounts, (2) view all eligible repayment options (3) apply for changes to your repayment options with your servicer and (4) sign up for our rewards program, SmarterBucks, to earn rewards that are contributed as extra payments toward your student loan debt.
You can find more information about different repayment plans in the resource center.
- Want more accurate numbers or to save your work?
- Customize your loan amounts|
- My profile
Which plan is right for you?
| Summary | Monthly payment | Payment difference | Pay-off year | Total cost | Cost difference |
|---|---|---|---|---|---|
| Standard repayment | $322 | 2028 | $39,242 | ||
| Consolidate your federal loans | $218 | $103 less | 2033 | $51,711 | $12,469 more |
| Graduated repayment | $225 | $96 less | 2028 | $41,408 | $2,166 more |
| Extended repayment | Extended repayment is only available for borrowers with more than $30,000 in federal loans. | ||||
| Income-based repayment | Income-based repayment is different for everyone: Get your estimate | ||||
| Postponed repayment | See if you're eligible: Get started | ||||
Make an extra payment ($20/month) |
$342 | $20 more | 2023 | $38,559 | $683 less |
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