Compare the Standard 10-year repayment plan against an income-driven repayment (IDR) estimate — lower monthly payments now can mean paying more in total over time.
Standard Plan
Income-Driven Plan (Estimate)
Look up the current figure for your household size at aspe.hhs.gov — this default is only an approximation.
Your Results
📄 Standard Plan
Monthly payment
Payoff in
Total interest paid
Total paid
📉 Income-Driven Plan
Monthly payment
Term
Total interest paid
Total paid
Balance forgiven at end of term
This is a simplified estimate: real IDR payments recalculate every year as your income, family size, and the poverty guideline change, and forgiven balances may be taxable under current law. Use this to compare the general trade-off, not as your exact future payment.
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