Forgiveness Timeline Calculator

Enter your loan details to estimate when your loans could be forgiven under IBR or PAYE, or after 120 qualifying PSLF payments.

Your Loan Details

Annual income (AGI)

Family size

Poverty guideline region

Loan balance

Weighted average interest rate

Years already in repayment

Repayment plan

IBR borrower type

After July 1, 2014Before July 1, 2014

I work full-time for a government or qualifying nonprofit employer and want a PSLF timeline.

SAVE is not included in this calculator

Current federal IDR court actions make SAVE unavailable for clean forward-looking payment estimates, so this tool focuses on active repayment paths instead.

Need more than a timeline?

The assessment adds eligibility context, tradeoff warnings, and follow-up reading based on your answers.

Start assessment