Twenty quick tools for everyday money math — no sign-up, figures shown as you type.
Compare the standard 10-year plan against a longer term.
The standard federal plan pays off a loan in 10 years. Extended and graduated plans stretch payments over more years, which lowers the monthly payment but increases total interest paid — this tool shows exactly how much. Income-driven repayment plans work differently and change with federal policy, so they aren't modeled here — check studentaid.gov for current income-driven options and eligibility.