Student Loan Calculators
58 free calculators — all 50 states
Calculate student loan repayment plans, IDR payments, and total interest by state. Compare standard and income-driven options.
All Calculators
Alabama Student Loan Repayment Calculator
Calculate student loan payments in Alabama. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Alaska Student Loan Repayment Calculator
Calculate student loan payments in Alaska. Compare standard, IDR, and forgiveness plans. See total cost with no state income tax.
Arizona Student Loan Repayment Calculator
Calculate student loan payments in Arizona. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Arkansas Student Loan Repayment Calculator
Calculate student loan payments in Arkansas. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
California Student Loan Repayment Calculator
Calculate student loan payments in California. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Colorado Student Loan Repayment Calculator
Calculate student loan payments in Colorado. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Connecticut Student Loan Repayment Calculator
Calculate student loan payments in Connecticut. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Delaware Student Loan Repayment Calculator
Calculate student loan payments in Delaware. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
FAFSA SAI Calculator for Independent Students (2026-27)
Estimate your 2026-27 FAFSA Student Aid Index (SAI) as an independent student (no dependents other than a spouse) using the Department of Education's official income protection allowance. Free, no sign-up.
FAFSA SAI Calculator for Independent Students With Dependents (2026-27)
Estimate your 2026-27 FAFSA Student Aid Index (SAI) as an independent student who supports dependents other than a spouse, using the Department of Education's official family-size income protection tables. Free, no sign-up.
FAFSA Student Aid Index (SAI) Calculator (2026-27)
Estimate your 2026-27 FAFSA Student Aid Index (SAI) -- the number that replaced the old EFC -- using the Department of Education's official parent and student assessment tables. Free, no sign-up.
Florida Student Loan Repayment Calculator
Calculate student loan payments in Florida. Compare standard, IDR, and forgiveness plans. See total cost with no state income tax.
Georgia Student Loan Repayment Calculator
Calculate student loan payments in Georgia. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Hawaii Student Loan Repayment Calculator
Calculate student loan payments in Hawaii. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
IBR Calculator (Income-Based Repayment) 2026
Estimate your monthly Income-Based Repayment (IBR) student loan payment using the current 10%/15% discretionary-income formula and 2026 HHS poverty guidelines. Free, updated for OBBBA.
Idaho Student Loan Repayment Calculator
Calculate student loan payments in Idaho. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Illinois Student Loan Repayment Calculator
Calculate student loan payments in Illinois. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Indiana Student Loan Repayment Calculator
Calculate student loan payments in Indiana. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Iowa Student Loan Repayment Calculator
Calculate student loan payments in Iowa. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Kansas Student Loan Repayment Calculator
Calculate student loan payments in Kansas. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Kentucky Student Loan Repayment Calculator
Calculate student loan payments in Kentucky. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Louisiana Student Loan Repayment Calculator
Calculate student loan payments in Louisiana. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Maine Student Loan Repayment Calculator
Calculate student loan payments in Maine. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Maryland Student Loan Repayment Calculator
Calculate student loan payments in Maryland. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Massachusetts Student Loan Repayment Calculator
Calculate student loan payments in Massachusetts. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Michigan Student Loan Repayment Calculator
Calculate student loan payments in Michigan. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Minnesota Student Loan Repayment Calculator
Calculate student loan payments in Minnesota. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Mississippi Student Loan Repayment Calculator
Calculate student loan payments in Mississippi. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Missouri Student Loan Repayment Calculator
Calculate student loan payments in Missouri. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Montana Student Loan Repayment Calculator
Calculate student loan payments in Montana. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Nebraska Student Loan Repayment Calculator
Calculate student loan payments in Nebraska. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Nevada Student Loan Repayment Calculator
Calculate student loan payments in Nevada. Compare standard, IDR, and forgiveness plans. See total cost with no state income tax.
New Hampshire Student Loan Repayment Calculator
Calculate student loan payments in New Hampshire. Compare standard, IDR, and forgiveness plans. See total cost with no state income tax.
New Jersey Student Loan Repayment Calculator
Calculate student loan payments in New Jersey. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
New Mexico Student Loan Repayment Calculator
Calculate student loan payments in New Mexico. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
New York Student Loan Repayment Calculator
Calculate student loan payments in New York. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
North Carolina Student Loan Repayment Calculator
Calculate student loan payments in North Carolina. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
North Dakota Student Loan Repayment Calculator
Calculate student loan payments in North Dakota. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Ohio Student Loan Repayment Calculator
Calculate student loan payments in Ohio. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Oklahoma Student Loan Repayment Calculator
Calculate student loan payments in Oklahoma. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Oregon Student Loan Repayment Calculator
Calculate student loan payments in Oregon. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Pennsylvania Student Loan Repayment Calculator
Calculate student loan payments in Pennsylvania. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
PSLF Calculator 2026 (Public Service Loan Forgiveness)
Free PSLF calculator: estimate your remaining qualifying payments, projected forgiveness date, and the tax-free balance forgiven under Public Service Loan Forgiveness (34 CFR 685.219).
RAP Student Loan Calculator (Repayment Assistance Plan)
Estimate your monthly payment under the new Repayment Assistance Plan (RAP) — the federal student loan repayment plan created by the One Big Beautiful Bill Act, live since July 1, 2026.
Rhode Island Student Loan Repayment Calculator
Calculate student loan payments in Rhode Island. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
South Carolina Student Loan Repayment Calculator
Calculate student loan payments in South Carolina. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
South Dakota Student Loan Repayment Calculator
Calculate student loan payments in South Dakota. Compare standard, IDR, and forgiveness plans. See total cost with no state income tax.
Student Loan Forgiveness Tax Calculator (2026)
Find out if your forgiven student loan is taxable in 2026. The One Big Beautiful Bill Act ended the blanket federal tax exclusion for most discharges -- see your exclusion status, insolvency exclusion, and estimated federal tax bill.
Tennessee Student Loan Repayment Calculator
Calculate student loan payments in Tennessee. Compare standard, IDR, and forgiveness plans. See total cost with no state income tax.
Texas Student Loan Repayment Calculator
Calculate student loan payments in Texas. Compare standard, IDR, and forgiveness plans. See total cost with no state income tax.
Tiered Standard Repayment Plan Calculator (2026)
Estimate your monthly payment and repayment term under the new Tiered Standard Repayment Plan — the federal student loan plan created by the One Big Beautiful Bill Act, live since July 1, 2026.
Utah Student Loan Repayment Calculator
Calculate student loan payments in Utah. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Vermont Student Loan Repayment Calculator
Calculate student loan payments in Vermont. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Virginia Student Loan Repayment Calculator
Calculate student loan payments in Virginia. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Washington Student Loan Repayment Calculator
Calculate student loan payments in Washington. Compare standard, IDR, and forgiveness plans. See total cost with no state income tax.
West Virginia Student Loan Repayment Calculator
Calculate student loan payments in West Virginia. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Wisconsin Student Loan Repayment Calculator
Calculate student loan payments in Wisconsin. Compare standard, IDR, and forgiveness plans. See total cost with state tax impact.
Wyoming Student Loan Repayment Calculator
Calculate student loan payments in Wyoming. Compare standard, IDR, and forgiveness plans. See total cost with no state income tax.
Related Guides
About Student Loan Calculators
Calculate student loan repayment plans, IDR payments, and total interest by state. Compare standard and income-driven options. All 58 calculators are free to use, require no sign-up, and provide instant, formula-based results — see each calculator's own methodology section below for exactly how its figures are calculated and sourced.
Each calculator includes a detailed methodology section explaining the formulas used, data sources cited with verification dates, and frequently asked questions to help you understand the results. Results are shareable and print-friendly.