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Estimate 2026 federal student loan payments. Not a government app.
⚠️ Disclaimer: Student Loan Calculator Pro is an independent private app. It is not a government app and is not affiliated with, endorsed by or acting on behalf of the U.S. Department of Education, Federal Student Aid (FSA) or any federal loan servicer. Student Loan Calculator Pro is an offline estimator for U.S. federal student loan repayment. Compare the Repayment Assistance Plan with Standard, Tiered Standard, Graduated, IBR, PAYE, and a SAVE comparison view. Enter loan balance, interest rate, AGI, family size, tax dependents, state, and filing status. The app estimates a monthly payment, total paid, interest, and a forgiveness timeline. Figures are estimates, not a servicer quote, and not an application for a repayment plan. Official sources Federal Student Aid – Repayment plans: https://studentaid.gov/manage-loans/repayment/plans Repayment Assistance Plan: https://edfinancial.studentaid.gov/income-driven-repaymentinformation-center/rap Congressional Research Service, The Repayment Assistance Plan (IF13075): https://www.congress.gov/crs_external_products/IF/HTML/IF13075.html Congressional Research Service, Direct Loan repayment plans (IF13243): https://www.congress.gov/crs_external_products/IF/PDF/IF13243/IF13243.1.pdf P.L. 119-21: https://www.congress.gov/119/plaws/publ21/PLAW-119publ21.htm Income-driven repayment, 34 CFR 685.209: https://www.ecfr.gov/current/title-34/section-685.209 Fixed payment plans, 34 CFR 685.208: https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-685/subpart-B/section-685.208 HHS poverty guidelines: https://www.federalregister.gov/documents/2026/01/15/2026-00755/annual-update-of-the-hhs-poverty-guidelines Rules as of September 10, 2026. Scenarios stay on the device. Privacy: https://linespotting.com/privacy-policy/ Terms of use (Apple standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/