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Income-driven repayment (IDR) plans cap US student loan payments at a percentage of discretionary income and forgive remaining balances after 20-25 years, or 10 years under PSLF.

공식

Discretionary income = AGI - 150% of federal poverty line

AGI: AGI value — Variable used in the calculation

단계별 가이드

1Discretionary income = AGI - 150% of federal poverty line
2Monthly payment = Discretionary income x Plan rate / 12
3PSLF requires 10 years at a public or non-profit employer

풀어진 예시

입력

$50K balance, $45K income, SAVE plan

결과

Monthly payment approx $125; estimated forgiveness after 20 years of qualifying payments

자주 묻는 질문

What is Student Forgiveness Calc?

Income-driven repayment (IDR) plans cap US student loan payments at a percentage of discretionary income and forgive remaining balances after 20-25 years, or 10 years under PSLF. Use this calculator for accurate, instant results.

How accurate is the Student Forgiveness Calc calculator?

The calculator uses the standard published formula for student forgiveness calc. Results are accurate to the precision of the inputs you provide. For financial, medical, or legal decisions, always verify with a qualified professional.

What units does the Student Forgiveness Calc calculator use?

This calculator works with inches, percentages. You can enter values in the units shown — the calculator handles all conversions internally.

What formula does the Student Forgiveness Calc calculator use?

The core formula is: Discretionary income = AGI - 150% of federal poverty line. Each step in the calculation is shown so you can verify the result manually.

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