See your estimated monthly payment, total interest paid, and full repayment cost for any student loan amount.
Undergraduate Direct Subsidized/Unsubsidized: 6.39%. Graduate Unsubsidized: 7.94%. PLUS Loans: 8.94%. These are fixed rates for loans disbursed July 2025–June 2026.
The standard 10-year plan minimizes total interest paid. Extended plans (20–25 years) lower your monthly payment but significantly increase total interest. Use this calculator to compare.
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