USA Student Loan Repayment Calculator (2026)
Compare 2026 federal repayment plans, estimate your monthly payment, total interest and payoff timeline, and discover forgiveness opportunities — in seconds.
Your loan details
Your results
Estimated monthly payment
$0
Standard repayment
Free Tools for US Expats
Use our free checkers and checklists to understand your US tax obligations in minutes.
Total interest
$0
Total repayment
$0
Payoff timeline
0 yrs
Forgiveness opportunity
None
| Plan | Monthly | Total paid | Payoff |
|---|
Get your free Student Loan Tax & Repayment Review
Our US & UK cross-border tax specialists will review your numbers and identify the optimal repayment and forgiveness strategy for your situation — at no cost. Your estimated results are attached to your request automatically.
Estimates are for educational purposes only and are based on 2026 federal student loan repayment rules. Actual figures depend on your full financial circumstances. This is not tax, legal, or financial advice. By submitting you agree to be contacted about your review.
Frequently asked questions
How is my monthly student loan payment calculated?
For fixed plans (Standard, Graduated) we use the standard amortization formula based on your balance, interest rate and term. For income-driven plans (SAVE, PAYE, IBR) the payment is based on your discretionary income — your income above a multiple of the federal poverty guideline for your family size and state.
What is discretionary income for 2026 IDR plans?
Discretionary income is generally your adjusted gross income minus a percentage of the federal poverty guideline for your household size. Plans use different multiples and payment percentages, which is why monthly amounts differ between SAVE, PAYE and IBR.
What is student loan forgiveness and who qualifies?
Public Service Loan Forgiveness (PSLF) can forgive remaining federal balances after 120 qualifying payments while working for an eligible employer. Income-driven repayment forgiveness can discharge remaining balances after 20-25 years of qualifying payments. Forgiven amounts may have tax consequences depending on current law.
Are forgiven student loans taxable?
Tax treatment depends on the program and the year of discharge. PSLF forgiveness is generally not taxable federally, while IDR forgiveness may be treated as income under some rules. Cross-border filers may face additional considerations — this is exactly what our free review covers.
I live abroad as a US expat. Does this still apply to me?
Yes. US federal student loans follow you overseas, and your foreign income can affect income-driven repayment calculations and forgiveness planning. Our specialists focus specifically on US & UK cross-border situations.