Consolidation Estimator

Enter the following information so we can provide you with estimated monthly payments to help you determine what repayment plan may best fit your needs. Providing accurate information will generate a more precise estimate.

Your Adjusted Gross Income

Include all taxable income you are currently receiving, such as:

  • Income from Employment
  • Unemployment Income
  • Dividend Income
  • Interest Income
  • Tips
  • Alimony

Do not include untaxed income such as Supplemental Security Income, child support, or federal or state public assistance.

If you are married and filed a joint return, include your spouse's taxable income as defined above.

Your Months in Repayment

Enter the number of months you have been in repayment.

Example:
If you had 120 months to repay your loans and you have already made 10 monthly payments, you would enter 10 as your Months in Repayment.

Standard Repayment

It's the fastest and most cost-effective repayment plan. Your estimated monthly payment is based on 10 years left of the standard 10 years to repay or up to 30 years of repayment if you have a Consolidation loan.

View details and eligibility information.

Graduated Repayment

This plan allows for lower payments to start, which gradually increase over time. Your estimated monthly payment is based on 10 years left of the standard 10 years to repay or 30 years of repayment if you have a Consolidation loan.

View details and eligibility information.

Extended Fixed Repayment

To qualify for this repayment plan, you must have more than $30,000 in outstanding FDLP (Federal Direct Loan Program) or FFEL (Federal Family Education Loan Program) Loans, respectively. This plan allows you to extend the repayment term up to 25 years, with a payment amount that remains the same throughout repayment.

View details and eligibility information.

Extended Graduated Repayment

To qualify for this repayment plan, you must have more than $30,000 in outstanding FDLP (Federal Direct Loan Program) or FFEL (Federal Family Education Loan Program) Loans, respectively. This plan allows you to extend the repayment term up to 25 years, with a payment amount that is initially lower and then increases later in repayment.

View details and eligibility information.

Pay As You Earn Repayment

For Direct Loans Only: Your estimated monthly payment is for one year, and is calculated based on your adjusted gross income (and your spouse's income, if you're married) and family size. You must reapply annually with updated income information.

View details and eligibility information.

Income-Based Repayment

Under this plan, your monthly payments are based on your adjusted gross income and family size. If you're married and file a joint income tax return, your spouse's adjusted gross income is also taken into consideration.

View details and eligibility information.

Income-Contingent Repayment

For Direct Loans Only: Your estimated monthly payment is for one year, and is calculated based on your adjusted gross income (and your spouse's income, if you're married), family size, and the total amount of your eligible loan debt. You must reapply annually with updated income information.

View details and eligibility information.

Income Sensitive Repayment

For FFEL Loans Only: Under this plan, your monthly payments are calculated based on your total monthly gross income and must cover at least the interest due each month. You must reapply annually with updated income information, as this plan is only assigned for 12 months at a time.

View details and eligibility information.

Spouse's Adjusted Gross Income

If you are married and filed a separate return, include your spouse's taxable income, such as:

  • Income from employment
  • Unemployment income
  • Dividend income
  • Interest income
  • Tips
  • Alimony

Do not include untaxed income such as Supplemental Security Income, child support, or federal or state public assistance.

Marital Status

If you are not married select Single.
If you are married and filed your taxes jointly select Married - Filed Taxes Jointly. If you are separated from your spouse, select the Separated option.
If you are married and filed your taxes separately select Married - Filed Taxes Separately. If you are separated from your spouse, select the Separated option.
If you are separated from your spouse select Separated.
If you are divorced select Divorced.

Revised Pay As You Earn

Your monthly payment amount may be higher if you ever change repayment plans from Revised Pay As You Earn or don't recertify annually and then re-apply at a later date.

Tell Us About Yourself

Invalid Data - Marital Status: You must select a marital status.
Invalid Data - Your Adjusted Gross Income: Please enter a whole numeric value for the adjusted gross income in the format $12,345.67.
Invalid Data - Spouse's Adjusted Gross Income: Please enter a whole numeric value for the adjusted gross income in the format $12,345.67.
Invalid Data - Family Size: Please enter a whole number value for the size of family.
Invalid Data - Months in Repayment: Please enter a whole number value for the number of months in repayment.
Invalid Data - State of Residence: Please enter a valid name or abbreviation of a state.

Marital Status

Your Adjusted Gross Income

Spouse's Adjusted Gross Income

Your Months in Repayment

Family Size (Include Yourself)

State of Residence

Tell Us About Your Loans Learn where to find this information.

Enter your loans or any joint loans you may have with your spouse (such as a Spousal Consolidation Loan).

Loan

Loan 1

Current Principal Balance

Interest Rate

Informational Message: Married filing jointly or separately

When filling out the application at StudentLoans.gov, you will also need to enter your spouse's loans if applicable.

These repayment plans are not available on all loans, so you may want to view plan details and eligibility information.

 

If You Don't Consolidate

If You Do Consolidate

Income-Driven Repayment (IDR) Plans

Income-Driven Repayment Plans require you to submit income verification documents annually to retain your eligibility. Because of this, we cannot predict out the cost of this plan over the coming years and can only provide what your monthly payment will be based off your current information. Learn more about IDR Plans.

Pay As You Earn
Payment for 12 Months*
$XXX.XX
Payment for 12 Months*
$XXX.XX
Revised Pay As You Earn
Payment for 12 Months*
$XXX.XX
Payment for 12 Months*
$XXX.XX
Income-Based Repayment
Payment for 12 Months*
$XXX.XX
Payment for 12 Months*
$XXX.XX
Income-Contingent Repayment
Payment for 12 Months*
$XXX.XX
Payment for 12 Months*
$XXX.XX
Income Sensitive Repayment
Payment for 12 Months*
$XXX.XX
Payment for 12 Months*
$XXX.XX
Repayment Plans
Standard Repayment
Monthly Payment
$XXX.XX
Interest Rate
$X,XXX.XX
Total Interest
$X,XXX.XX
Total Principal
$X,XXX.XX
Total Amount
$XX,XXX.XX
Monthly Payment
$XXX.XX
Interest Rate
$X,XXX.XX
Total Interest
$X,XXX.XX
Total Principal
$X,XXX.XX
Total Amount
$XX,XXX.XX
Graduated Repayment
Payment for 24 Months*
$XXX.XX
Interest Rate
$X,XXX.XX
Total Interest
$X,XXX.XX
Total Principal
$X,XXX.XX
Total Amount
$XX,XXX.XX
Payment for 24 Months*
$XXX.XX
Interest Rate
$X,XXX.XX
Total Interest
$X,XXX.XX
Total Principal
$X,XXX.XX
Total Amount
$XX,XXX.XX
Extended Fixed Repayment
Monthly Payment
$XXX.XX
Interest Rate
$X,XXX.XX
Total Interest
$X,XXX.XX
Total Principal
$X,XXX.XX
Total Amount
$XX,XXX.XX
Monthly Payment
$XXX.XX
Interest Rate
$X,XXX.XX
Total Interest
$X,XXX.XX
Total Principal
$X,XXX.XX
Total Amount
$XX,XXX.XX
Extended Graduated Repayment
Payment for 24 Months*
$XXX.XX
Interest Rate
$X,XXX.XX
Total Interest
$X,XXX.XX
Total Principal
$X,XXX.XX
Total Amount
$XX,XXX.XX
Payment for 24 Months*
$XXX.XX
Interest Rate
$X,XXX.XX
Total Interest
$X,XXX.XX
Total Principal
$X,XXX.XX
Total Amount
$XX,XXX.XX
Back

*This represents the initial amount you may pay under this plan. Monthly amounts may increase over time. View more plan details and eligibility information.

NOTE: The results shown are based on the information you provided and are estimates only. Some restrictions apply for certain repayment plans. Not all loans are eligible for certain repayment plans. View the details for each option on the next page for specific plan information.