Calculator

Please use the calculator below to estimate your new payment utilizing the new consolidation options. This calculator is only a tool used to help you determine what repayment options may be available to you, and all outcomes are estimations based upon the information you enter. Call 888-640-7723 to get more specific information about how consolidation can help you.

Your family size is determined by counting you, your spouse, and your children if your children receive more than half of their support from you. Your family size also includes other individuals if they (1) live with you and (2) receive more than half of their support from you and will continue to receive this support for the year you certify family size. Support includes money, gifts, loans, housing, food, clothes, car, medical and dental care, and payment of college costs.

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Any Direct Subsidized Loan, Direct Unsubsidized Loan, Subsidized Federal Stafford Loan, Unsubsidized Federal Stafford Loan, Direct or FFEL PLUS Loan for graduate students, or Direct or FFEL Consolidation Loan that did not repay any PLUS loans (Direct or FFEL) made to parents.

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We've prefilled this field with 6.8% since that's the most common student loan interest rate. To get a more precise estimate, you should enter the average interest rate for all of your eligible loans.

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We suggest you use your most recent federal income tax return to get an estimate of your current AGI. On your federal income tax return, please refer to

  • Line 4 on Form 1040EZ
  • Line 21 on Form 1040A
  • Line 37 on Form 1040

If your income has changed from the amount on your last federal income tax return, you can enter a more current amount.

Note: If you filed single last year and you plan to file a joint return this year, then add your spouse's AGI to yours when estimating your current AGI.

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Tax filing status:

My spouse

Family size:

[?]

I live in

My Federal Student Loans



If you aren't sure what you borrowed or owe, call us toll free at 1.888.640.7723 to find out and qualify for savings!

My Spouse's Federal Student Loans



If you aren't sure what your spouse borrowed or owes, call us toll free at 1.888.640.7723 to find out and qualify for savings!

Adjusted Gross Income

Adjusted Gross Income

My spouse and I filed a joint federal income tax return.

You would qualify for an estimated monthly payment of ... on the Income-Based Repayment Plan based upon the information you entered. Your spouse would qualify for an estimated monthly payment of ....
Would you like to learn more? Call 1.888.640.7723 and begin your consolidation today!
Sorry, you do not qualify for income-based repayment.
To explore other affordable repayment arrangements, such as the Pay As You Earn Repayment Plan or the Income-Contingent Repayment Plan, call us at 1.888.640.7723.