Disclaimer

Estimates only

Every figure this site produces — monthly payment, total interest, payoff time, forgiven amount — is an estimate calculated from the numbers you enter and the assumptions described on the How it works page. It is not a quote, offer, or guarantee from any lender or government program, and real loans can include fees, rounding rules, and program-specific details this simplified model doesn't capture.

Not financial, tax, or legal advice

Nothing on this site is financial, tax, or legal advice. Decisions about borrowing, refinancing, consolidating, or choosing a repayment plan should be made with current information from your loan servicer, the relevant government program, or a licensed advisor — not solely from this or any calculator.

Not affiliated with any lender or government program

This site is independently operated. It is not affiliated with, endorsed by, or a substitute for any bank, lender, loan servicer, or government student aid program. Country presets reflect typical publicly known figures for estimation purposes and are not official rates or program terms.

Figures change

Interest rates, income thresholds, forgiveness terms, and program rules change over time and by jurisdiction. Guide content is dated with a "last verified" date for exactly this reason — always check the current details with an official source before relying on a specific figure.