U.S. student aid · planning estimate
Federal loan payment comparison.
See how a 10-year and 25-year fixed repayment term change the monthly payment and estimated total paid.
Loan details
Estimated comparison
What this estimate means
This compares fixed-payment amortization at the term you enter. It is not an eligibility decision: federal plan availability depends on loan type, disbursement date, balance and current law. For a personalized result, use Federal Student Aid's Loan Simulator.
Source checked September 29, 2026: Federal Student Aid's repayment guidance says its official calculator shows estimated monthly payment and total paid, and that final terms are set by the servicer.