Use the online calculators below to help determine your future monthly payments for your Direct student, Direct PLUS, federal consolidation loans, and private loans.

FEDERAL DIRECT STUDENT LOANS: Click here to determine your monthly payments on your Direct student loans based on the standard, extended, and graduated repayment plans. If you want to see what your payments would be under the income contingent repayment plan, click here. For the income-based repayment plan, click here.

FEDERAL DIRECT PARENT PLUS LOANS: Click here to determine your monthly payments on your Direct parent PLUS loans. PLUS loans have an interest rate of 7.9% with a 10 year term (120 months), but if you have borrowed at least $30,000 and if you want the extended repayment plan enter 25 years (300 months). 

FEDERAL CONSOLIDATION LOANS: Click here to determine your monthly payments on a Direct student or Direct parent PLUS Consolidation loan. The results will provide your new fixed, weighted interest rate, along with the monthly payments for the appropriate term length. Consolidation loan terms include 10, 12, 15, 20, 25, and 30 years depending on the total amount being consolidated.

PRIVATE, ALTERNATIVE LOANS: Click here to determine your monthly payments on your private alternative loan. This site was chosen because it also determines the annual salary one must have to be able to afford the monthly payments. Enter the number of monthly payments (loan term), the interest rate, and the principal (amount of loan). This site limits the interest at 9.00%. If your interest rate is higher than 9.00% use one of the above calculators to determine your monthly payment. Check with your private loan lender to see what loan term options are available to you. Terms are usually 10, 15, 20, 25, or 30 years, depending on the loan and lender. Private loan interest rates are usually variable rates, so they change every month, every three months, or every year.