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.
Student loan payment scenario
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.
Monthly payment
$116
Total interest
$3,920
Total paid
$13,920
Loan balance
$10,000
Interest rate
7% fixed APR
Repayment term
120 months / 10 years
Payment type
Standard fixed-payment amortization
This is a fixed-rate standard repayment scenario. It does not model income-driven repayment, deferment, forbearance, capitalization, fees, interest subsidies, or your actual servicer account history.
Source ledger
A standard payment is only one path. If your income is low relative to your balance, IBR or another federal repayment option may produce a lower monthly payment, though it can change total interest and forgiveness timing.
Estimate IDR payment