Student Loan vs Salary Calculator

The #1 rule of thumb: your total student loan debt shouldn't exceed your first-year salary. See how your debt stacks up and what your monthly payment means for your budget.

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Debt-to-income ratio

The 1x rule

Financial experts recommend keeping total student loan debt below your expected first-year salary. If you plan to earn $50,000, try not to borrow more than $50,000 total.

The 10% rule

Your monthly student loan payment shouldn't exceed 10% of your gross monthly income. Use this calculator to see if you're on track.

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→ Student Loan Calculator  ·  → How Much Student Debt Is Too Much?

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