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Student Loan Repayment Calculator: Federal Standard Plan

Estimate your federal student loan payment on the 10-year Standard plan or the new Tiered Standard plan (10–25 years), with total interest.

Tool inputs stay in your browser · optional AI search sends your query

Good to know: Scope: a monthly payment and total interest estimate in US dollars for federal Direct Loans (Subsidized, Unsubsidized and PLUS) repaid on a fixed Standard plan. If all your Direct Loans were made before July 1, 2026 and you have no newer one, the Standard plan pays them off over 10 years. If you have any Direct Loan made on or after July 1, 2026, the Tiered Standard plan sets a fixed term from your total balance when you enter repayment: under $25,000 → 10 years, $25,000 to $49,999 → 15 years, $50,000 to $99,999 → 20 years, $100,000 or more → 25 years. Payments are at least $50 a month. Not included: Direct Consolidation Loans (their legacy Standard plan can run longer), FFEL, Perkins and private loans, Graduated, Extended and income-driven plans (IBR, RAP), forgiveness, deferment and forbearance, loan fees, autopay discounts and daily-interest timing (this estimate charges interest once a month). Interest added during school or grace counts only if you include it in the balance. Everything stays in this browser tab. Independent ToolsKo estimate, not a servicer bill. Sources reviewed November 11, 2026.

How to use it (step by step)

  1. 1Enter your total federal student loan balance. Your loan servicer or your StudentAid.gov account shows it; include any unpaid interest that was added to the balance.
  2. 2Enter the interest rate. With several loans, use the weighted average rate your servicer shows. Then choose whether you have any Direct Loan made on or after July 1, 2026.
  3. 3Read the monthly payment, number of payments and total interest. The compare line shows the other Standard plan for the same balance. Your servicer’s bill is the final word.

Words to know

Standard repayment plan
A plan with the same payment every month until the loan is paid off: 10 years for loans made before July 1, 2026.
Tiered Standard plan
The fixed-payment plan for borrowers with a Direct Loan made on or after July 1, 2026. A bigger balance gets more years (10, 15, 20 or 25), so the monthly payment is lower but you pay more interest.
Principal
The amount you still owe, not counting interest that has not been added yet.
Capitalized interest
Unpaid interest that is added to your balance, for example after school or a deferment. After that, you pay interest on it too.

Explore tools for Australia, the US & Europe →

Sources & methods

References checked November 11, 2026. Read each tool’s scope and assumptions before relying on its result.

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