Student Loan Income-Based Repayment Calculator

Step 1: Enter Current Loan Info
Student Loan Balance
Average Interest Rate
Current Monthly Payment
Were any of your federal student loans disbursed before July, 2014?
Step 2: Enter Income Info
Adjusted Gross Income
Family Size
State of Residence
Annual Income Growth
Sorry, you don't qualify for IBR plan based on the debt and income information you provided
CURRENT LOAN IBR SAVINGS
CURRENT MONTHLY PAYMENT
$383
CURRENT MONTHLY PAYMENT
$483
MONTHLY SAVINGS
$100
FINAL MONTHLY PAYMENT
$383
FINAL MONTHLY PAYMENT
$483
MONTHLY SAVINGS
$100
TOTAL PAYMENT
$300
TOTAL PAYMENT
$300
TOTAL SAVINGS
$300
TOTAL FORGIVENESS
$300
TOTAL FORGIVENESS
$300
TOTAL SAVINGS
$300
REPAYMENT TERM
10yrs
REPAYMENT TERM
7.5yrs
TERM DIFFERENCE
2.5yrs

Compare The Best Student Loan Refinance Rates For 2018

Lender
Rates (APR)
Minimum Credit Score

Overview

Variable Rates: 2.57% - 5.87%
Fixed Rates: 3.25% - 6.32%
Average Savings: $21,810
Minimum Credit Score: None
Minimum Income: None
Fees: None

Details

Eligible Loans: Private & Federal
Minimum Loan Amount: $45,000
Loan Terms: 5-20 years
Borrower Residency: All States except AL, KY, MS, VT
Unemployment Protection: Yes
Co-signer Option: Yes
2.54% - 7.38%
Good or Excellent

Overview

Variable Rates: 2.54% - 7.38%
Fixed Rates: 3.25% - 7.13%
Average Savings: $30,069
Minimum Credit Score: Good or Excellent
Minimum Income: None
Fees: None

Details

Eligible Loans: Private or Federal
Minimum Loan Amount: $5,000
Loan Terms: 5, 7, 10, 15, 20 years
Borrower Residency: All states
Unemployment Protection: Yes
Co-signer Option: Yes

Overview

Variable Rates: 2.56% - 7.74%
Fixed Rates: 3.15% - 8.12%
Average Savings: $15,270
Minimum Credit Score: 680
Minimum Income: $24,000
Fees: None

Details

Eligible Loans: Private & Federal
Minimum Loan Amount: $5,000
Loan Terms: 5, 7, 10, 15, 20 years
Borrower Residency: All states, except ME, ND, NV, RI, WV
Unemployment Protection: Yes
Co-signer Option: Yes

Overview

Variable Rates: 2.50% - 6.40%
Fixed Rates: 3.25% - 6.95%
Average Savings: N/A
Minimum Credit Score: 680
Minimum Income: $75,000
Fees: -

Details

Eligible Loans: Private & Federal
Minimum Loan Amount: $5,000
Loan Terms: 5 - 15
Borrower Residency: All states
Unemployment Protection: -
Co-signer Option: Yes

Overview

Variable Rates: 2.69% - 6.01%
Fixed Rates: 3.09% - 6.69%
Average Savings: N/A
Minimum Credit Score: 680
Minimum Income: $35,000
Fees: None

Details

Eligible Loans: Private & Federal
Minimum Loan Amount: $15,000
Loan Terms: 5, 7, 10, 15, 20 years
Borrower Residency: All States
Unemployment Protection: Yes
Co-signer Option: Yes
3.46% - 7.28%
680 (620 with a co-signer)

Overview

Variable Rates: 3.46% - 7.24%
Fixed Rates: 3.50% - 7.28%
Average Savings: $18,423
Minimum Credit Score: 680 (620 with a co-signer)
Minimum Income: $42,000 ($0 with a couple loan)
Fees: None

Details

Eligible Loans: Private & Federal
Minimum Loan Amount: $7,500
Loan Terms: 5, 8, 12, 15 years
Borrower Residency: All states
Unemployment Protection: Yes
Co-signer Option: Yes

Overview

Variable Rates: 2.80% - 5.90%
Fixed Rates: 3.37% - 7.02%
Average Savings: $20,200
Minimum Credit Score: 680
Minimum Income: None
Fees: None

Details

Eligible Loans: Private & Federal
Minimum Loan Amount: $5,000
Loan Terms: 5, 7, 10, 15, 20 years
Borrower Residency: All states
Unemployment Protection: Yes
Co-signer Option: Yes
1.95% - 3.95%
Excellent

Overview

Variable Rates: -
Fixed Rates: 1.95% - 3.95%
Average Savings: -
Minimum Credit Score: Excellent
Minimum Income: -
Fees: -

Details

Eligible Loans: Private & Federal
Minimum Loan Amount: $40,000
Loan Terms: 5, 7, 10, 15 years
Borrower Residency: Only for the residents of New York City, San Francisco, Palo Alto, Los Angeles, Newport Beach, San Diego, Portland (Oregon), Boston, Palm Beach (Florida) or Greenwich
Unemployment Protection: -
Co-signer Option: Yes

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