A student loan calculator determines your monthly payment, total interest paid, and payoff timeline based on loan amount, interest rate, and repayment term. Federal and private student loans differ significantly in interest rates, repayment options, and forgiveness eligibility.
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Pro Tip
Paying even $25–50 extra per month toward principal can shave years off your repayment and save thousands in interest.
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Did You Know?
Total US student loan debt exceeds $1.7 trillion, held by over 45 million borrowers. The average borrower owes approximately $37,000.
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