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Enter your loan details to compare every repayment path
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You Save
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Loan Balance
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Total owed
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Best Plan
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Lowest total cost
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Worst Plan Cost
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Most expensive path
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Fastest Payoff
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Shortest timeline
🎯 Your Best Move
Enter your loan details below to get a personalized recommendation.
📋 Your Loan Details
Enter your federal student loan info — find these on studentaid.gov
📊 Quick Compare
Monthly payment and total cost per plan
What this means in plain English
Enter your loan balance, interest rate, income, and family size above to compare repayment strategies and find the one that saves you the most money.
What you should do next
- Fill in your loan details to get specific next steps on your student loan repayment strategy.
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Full Plan Comparison
Side by side — every repayment option with your real numbers
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Public Service Loan Forgiveness (PSLF) Check
Do you qualify? How much could be forgiven?
📆 Payment Schedule
Year-by-year payments under each plan
Monthly Payment by Plan
Total Cost Comparison
Years to Payoff
Balance Over Time (Standard)
Student Loan Strategy Report
Vault & Vessel Studio ·
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How To Use
Compare every student loan repayment plan and pick the one that fits your life
🚀 Getting Started
1
Enter Loan Details
Total balance, interest rate, and income. Find your exact numbers at studentaid.gov — it's your federal loan dashboard.
2
Compare All Plans
Standard (fixed 10yr), Graduated (starts low, increases), Income-Driven (based on what you earn), and PSLF (forgiveness after 10yr public service).
3
Check PSLF Eligibility
Work for government or non-profit? You might qualify for loan forgiveness after 120 qualifying payments (10 years).
4
Pick Your Strategy
Lowest monthly payment? Lowest total cost? Fastest payoff? Forgiveness? Choose based on what matters to YOU.
📊 Terms Made Simple
Standard Repayment: Fixed monthly payment for 10 years. Highest monthly payment but lowest total cost. You pay the least interest overall.
Graduated Repayment: Starts low, increases every 2 years. 10-year term. Good if your income is low now but expected to grow. Costs more total than Standard.
Income-Driven (IDR): Payment is 10-15% of your discretionary income (income minus 150% of poverty line). 20-25 year term. Remaining balance forgiven — but you may owe taxes on the forgiven amount.
PSLF: Public Service Loan Forgiveness. Work for government or non-profit, make 120 income-driven payments, and the remaining balance is forgiven tax-free. Must have Direct Loans.
Discretionary Income: Your adjusted gross income minus 150% of the federal poverty guideline for your family size. This is what income-driven payments are calculated on.
🔒 Your Data, Your Device
No subscription · Runs in your browser · Private local file
No data uploaded anywhere · Works 100% offline — no internet needed
No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a directional planning tool, not financial advice. Actual IDR payments depend on AGI, family size, and plan type. PSLF eligibility has specific requirements — verify at studentaid.gov. Consult a student loan advisor for personalized guidance.