Student Loan Payoff Calculator
Project your payoff timeline and total interest across your student loans.
Compare the minimum-payment baseline against avalanche or snowball accelerated strategies — month by month.
Payoff strategy
Used to show payoff dates
Your loans
Comparison
Combined totals
Months to payoff
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Payoff date
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Total interest
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Total paid
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Interest saved vs. baseline
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Per-loan breakdown
Data sources & notes
- Federal Student Aid — Repayment Plans
- CFPB — Tips for paying off student loans
- NASFAA — SAVE litigation status
Methodology: month-by-month amortization. Interest is applied first each month, then the remainder of your payment goes to principal. Extra payments cut both the term and total interest. The SAVE income-driven plan was vacated in March 2026; enrolled borrowers are being transitioned — this calculator measures full payoff, not forgiveness scenarios. Results are estimates; real servicers accrue interest daily and round payments.