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Figuring out which student loan repayment plan is right for you is a little easier with Loan Simulator, our student loan repayment calculator. The tool helps you review different student loan repayment plans and compare estimated monthly payments, total paid over time, and more.
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Loan Simulator helps you estimate monthly student loan payments and choose a loan repayment option that best meets your needs and goals. You can also use it to decide whether to consolidate your student loans.
MOHELA offers a variety of options to manage the repayment of your loans including repayment plans and ways to lower your payment or provide temporary relief. To explore options that are available based on situations you may be facing, visit Repayment Options .
But you may be able to get help repaying your loans, including full loan forgiveness, through one of the federal student loan programs. You never know what you may be eligible for, so take a look at the options listed below.
MOHELA offers you a variety of options to manage the repayment of your loans including repayment plans and ways to lower or postpone your payments. We understand that some borrowers want to pay off their loan as quickly as possible, and we encourage those borrowers to make extra payments.
Learn how to manage your student loans, find a repayment plan, understand how to make payments, explore your options, and get help if you've missed payments.
Read about available repayment plans and use available resources, such as the student loan calculator Loan Simulator, to evaluate your situation and find the best repayment option for you. Loan servicers are another helpful resource for figuring out your best option for repayment.
Your monthly payments will be based on your eligible federal student loan debt, family size, and your income. Your monthly payment amount will be capped at 10% or 15% of your discretionary income (depending on when you received your first loans).
You may be eligible to lower your monthly student loan payment by enrolling in an income-driven repayment (IDR) plan. Under an IDR plan, payments may be as low as $0 per month. Compare your loan repayment options through Federal Student Aid’s Loan Simulator opens in new tab.