Student Loan Forgiveness Estimator

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.

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.

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

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.