Analyzing your situation…
Applying 2026 federal policy rules to your loan profile…
This usually takes 15–20 seconds on your first visit.
Current federal update: SAVE remains unavailable under the court actions. If you want the official status page or background, start with the SAVE guide.
Analyzing your situation…
Applying 2026 federal policy rules to your loan profile…
This usually takes 15–20 seconds on your first visit.
Estimate your monthly student loan payment under IBR and PAYE using 2026 poverty guidelines and your estimated standard-payment cap. SAVE is shown only as a historical comparison while current IDR court actions remain unresolved.
Use your adjusted gross income from your most recent tax return.
Include yourself and anyone you can count in your IDR family size.
Used to estimate the 10-year payment cap for IBR and PAYE.
These fixed-payment examples are indexed for quick lookup. Use the calculator above for income-driven repayment estimates.
Payment on $10,000 of student loans at 5%
A $10,000 student loan balance at 5% over 10 years is about $106 per month, with about $2,720 in total interest under a fixed standard repayment assumption.
Payment on $10,000 of student loans at 7%
A $10,000 student loan balance at 7% over 10 years is about $116 per month, with about $3,920 in total interest under a fixed standard repayment assumption.
Payment on $20,000 of student loans at 6%
A $20,000 student loan balance at 6% over 10 years is about $222 per month, with about $6,640 in total interest under a fixed standard repayment assumption.
Payment on $20,000 of student loans at 8%
A $20,000 student loan balance at 8% over 10 years is about $243 per month, with about $9,160 in total interest under a fixed standard repayment assumption.
Payment on $30,000 of student loans at 5%
A $30,000 student loan balance at 5% over 10 years is about $318 per month, with about $8,160 in total interest under a fixed standard repayment assumption.
Payment on $30,000 of student loans at 7%
A $30,000 student loan balance at 7% over 10 years is about $348 per month, with about $11,760 in total interest under a fixed standard repayment assumption.