Calculate your monthly payments and discover your payoff timeline.
Back to All CalculatorsManaging student loans can be complex, especially when you have multiple loans with different interest rates. This calculator helps you consolidate your view and plan your repayment strategy.
Use this tool to get a clear picture of your student debt and find the best path to becoming debt-free.
Adding extra payments can help you pay off your loans faster and save on interest.
Estimated Monthly Payment
$217.05
Total Balance
$20,000.00
Total Interest
$6,046.31
Total Paid
$26,046.31
Payoff Date
Dec 2035
| Month | Principal | Interest | Remaining Balance |
|---|---|---|---|
| 1 | $125.39 | $91.67 | $19,874.61 |
| 2 | $125.96 | $91.09 | $19,748.65 |
| 3 | $126.54 | $90.51 | $19,622.12 |
| 4 | $127.12 | $89.93 | $19,495.00 |
| 5 | $127.70 | $89.35 | $19,367.30 |
| 6 | $128.29 | $88.77 | $19,239.01 |
| 7 | $128.87 | $88.18 | $19,110.14 |
| 8 | $129.46 | $87.59 | $18,980.67 |
| 9 | $130.06 | $86.99 | $18,850.62 |
| 10 | $130.65 | $86.40 | $18,719.96 |
| 11 | $131.25 | $85.80 | $18,588.71 |
| 12 | $131.85 | $85.20 | $18,456.85 |
| 13 | $132.46 | $84.59 | $18,324.40 |
| 14 | $133.07 | $83.99 | $18,191.33 |
| 15 | $133.68 | $83.38 | $18,057.65 |
| 16 | $134.29 | $82.76 | $17,923.37 |
| 17 | $134.90 | $82.15 | $17,788.46 |
| 18 | $135.52 | $81.53 | $17,652.94 |
| 19 | $136.14 | $80.91 | $17,516.80 |
| 20 | $136.77 | $80.29 | $17,380.03 |
| 21 | $137.39 | $79.66 | $17,242.64 |
| 22 | $138.02 | $79.03 | $17,104.61 |
| 23 | $138.66 | $78.40 | $16,965.96 |
| 24 | $139.29 | $77.76 | $16,826.66 |
| 25 | $139.93 | $77.12 | $16,686.73 |
| 26 | $140.57 | $76.48 | $16,546.16 |
| 27 | $141.22 | $75.84 | $16,404.95 |
| 28 | $141.86 | $75.19 | $16,263.08 |
| 29 | $142.51 | $74.54 | $16,120.57 |
| 30 | $143.17 | $73.89 | $15,977.40 |
| 31 | $143.82 | $73.23 | $15,833.58 |
| 32 | $144.48 | $72.57 | $15,689.10 |
| 33 | $145.14 | $71.91 | $15,543.95 |
| 34 | $145.81 | $71.24 | $15,398.14 |
| 35 | $146.48 | $70.57 | $15,251.67 |
| 36 | $147.15 | $69.90 | $15,104.52 |
| 37 | $147.82 | $69.23 | $14,956.69 |
| 38 | $148.50 | $68.55 | $14,808.19 |
| 39 | $149.18 | $67.87 | $14,659.01 |
| 40 | $149.87 | $67.19 | $14,509.15 |
| 41 | $150.55 | $66.50 | $14,358.59 |
| 42 | $151.24 | $65.81 | $14,207.35 |
| 43 | $151.94 | $65.12 | $14,055.42 |
| 44 | $152.63 | $64.42 | $13,902.78 |
| 45 | $153.33 | $63.72 | $13,749.45 |
| 46 | $154.03 | $63.02 | $13,595.42 |
| 47 | $154.74 | $62.31 | $13,440.68 |
| 48 | $155.45 | $61.60 | $13,285.23 |
| 49 | $156.16 | $60.89 | $13,129.07 |
| 50 | $156.88 | $60.17 | $12,972.19 |
| 51 | $157.60 | $59.46 | $12,814.59 |
| 52 | $158.32 | $58.73 | $12,656.27 |
| 53 | $159.04 | $58.01 | $12,497.23 |
| 54 | $159.77 | $57.28 | $12,337.45 |
| 55 | $160.51 | $56.55 | $12,176.95 |
| 56 | $161.24 | $55.81 | $12,015.71 |
| 57 | $161.98 | $55.07 | $11,853.73 |
| 58 | $162.72 | $54.33 | $11,691.00 |
| 59 | $163.47 | $53.58 | $11,527.53 |
| 60 | $164.22 | $52.83 | $11,363.32 |
| 61 | $164.97 | $52.08 | $11,198.35 |
| 62 | $165.73 | $51.33 | $11,032.62 |
| 63 | $166.49 | $50.57 | $10,866.13 |
| 64 | $167.25 | $49.80 | $10,698.88 |
| 65 | $168.02 | $49.04 | $10,530.87 |
| 66 | $168.79 | $48.27 | $10,362.08 |
| 67 | $169.56 | $47.49 | $10,192.52 |
| 68 | $170.34 | $46.72 | $10,022.18 |
| 69 | $171.12 | $45.94 | $9,851.07 |
| 70 | $171.90 | $45.15 | $9,679.17 |
| 71 | $172.69 | $44.36 | $9,506.48 |
| 72 | $173.48 | $43.57 | $9,332.99 |
| 73 | $174.28 | $42.78 | $9,158.72 |
| 74 | $175.08 | $41.98 | $8,983.64 |
| 75 | $175.88 | $41.18 | $8,807.77 |
| 76 | $176.68 | $40.37 | $8,631.08 |
| 77 | $177.49 | $39.56 | $8,453.59 |
| 78 | $178.31 | $38.75 | $8,275.28 |
| 79 | $179.12 | $37.93 | $8,096.16 |
| 80 | $179.95 | $37.11 | $7,916.21 |
| 81 | $180.77 | $36.28 | $7,735.44 |
| 82 | $181.60 | $35.45 | $7,553.84 |
| 83 | $182.43 | $34.62 | $7,371.41 |
| 84 | $183.27 | $33.79 | $7,188.15 |
| 85 | $184.11 | $32.95 | $7,004.04 |
| 86 | $184.95 | $32.10 | $6,819.09 |
| 87 | $185.80 | $31.25 | $6,633.29 |
| 88 | $186.65 | $30.40 | $6,446.64 |
| 89 | $187.51 | $29.55 | $6,259.13 |
| 90 | $188.36 | $28.69 | $6,070.77 |
| 91 | $189.23 | $27.82 | $5,881.54 |
| 92 | $190.10 | $26.96 | $5,691.45 |
| 93 | $190.97 | $26.09 | $5,500.48 |
| 94 | $191.84 | $25.21 | $5,308.64 |
| 95 | $192.72 | $24.33 | $5,115.92 |
| 96 | $193.60 | $23.45 | $4,922.31 |
| 97 | $194.49 | $22.56 | $4,727.82 |
| 98 | $195.38 | $21.67 | $4,532.44 |
| 99 | $196.28 | $20.77 | $4,336.16 |
| 100 | $197.18 | $19.87 | $4,138.98 |
| 101 | $198.08 | $18.97 | $3,940.90 |
| 102 | $198.99 | $18.06 | $3,741.91 |
| 103 | $199.90 | $17.15 | $3,542.00 |
| 104 | $200.82 | $16.23 | $3,341.19 |
| 105 | $201.74 | $15.31 | $3,139.45 |
| 106 | $202.66 | $14.39 | $2,936.78 |
| 107 | $203.59 | $13.46 | $2,733.19 |
| 108 | $204.53 | $12.53 | $2,528.67 |
| 109 | $205.46 | $11.59 | $2,323.20 |
| 110 | $206.40 | $10.65 | $2,116.80 |
| 111 | $207.35 | $9.70 | $1,909.45 |
| 112 | $208.30 | $8.75 | $1,701.15 |
| 113 | $209.26 | $7.80 | $1,491.89 |
| 114 | $210.21 | $6.84 | $1,281.68 |
| 115 | $211.18 | $5.87 | $1,070.50 |
| 116 | $212.15 | $4.91 | $858.35 |
| 117 | $213.12 | $3.93 | $645.23 |
| 118 | $214.10 | $2.96 | $431.14 |
| 119 | $215.08 | $1.98 | $216.06 |
| 120 | $216.06 | $0.99 | $0.00 |
| 121 | $0.00 | $0.00 | $0.00 |