Student loan calculator
Standard amortizing payment, plus a simplified income-driven payment. Not full SAVE/IBR.
CopiedFAQ
How is the standard payment calculated? Fully amortizing P&I over the term you enter (default 10 years).
What is the simplified IDR? max(0, 10% × (AGI − 1.5 × HHS poverty for household size)) / 12. Official 2026 48-state 1-person poverty is $15,960. This is not full SAVE, IBR, PAYE, or ICR.
Is this advice or a loan offer? No. Federal IDR plans have more rules, interest subsidies, and recertification. Not advice.