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Student Loan Payoff Calculator
Calculate your payoff date and total interest for any student loan, and see how extra payments accelerate freedom.
Student Loan Payoff Details
$35,000
$
6.5%
%
$390
$
$100
$
Results
LiveMonths to Pay Off (with extra)
91
Months to Pay Off (standard)123
Months Saved33
Total Interest Saved$3,687
Months to Pay Off (standard)123
Months to Pay Off (with extra)91
Months Saved33
How to use
Change one assumption at a time to see what moves the answer most.
Frequently Asked Questions
Everything you need to know.
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Why This Matters
The average student loan borrower takes 20 years to repay. Paying even $100/month extra on a $30,000 loan at 6.5% saves $8,000 in interest and cuts 7 years off the timeline.
How to Use It
- 1Enter your total student loan balance
- 2Enter your interest rate (federal or private)
- 3Enter your current monthly payment
- 4Add extra payment to see the accelerated payoff impact
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