CampusROI

Loan Payback Calculator

Compare repayment plans side by side. See exactly how much each plan costs in monthly payments, total interest, and time to payoff.

ROI CalculatorLoan PaybackOpportunity Cost

Loan Details

$

Federal undergrad: 5.5% · Grad: 7.05% · PLUS: 8.05%

$

Repayment Plans Compared

Standard (10-Year)

$380/mo
Total Paid
$45,581
Total Interest
$10,581
Payoff
10 years

Graduated

$228/mo
Total Paid
$33,393
Total Interest
-$1,607
Payoff
10 years

Starts low, increases every 2 years

Extended (25-Year)

$215/mo
Total Paid
$64,479
Total Interest
$29,479
Payoff
25 years

Income-Driven (PAYE)

$270/mo
Total Paid
$53,232
Payoff
17 years

Remaining Balance Over Time

Standard (10yr)
Graduated
Extended (25yr)
Income-Driven
$-2K$8K$18K$27K$37KYr 0Yr 5Yr 10Yr 15Yr 20Yr 25

The Cost of Stretching Payments

Switching from the standard 10-year plan to the extended 25-year plan saves $165/month but costs an additional $18,898 in total interest.

Disclaimer: These calculations are estimates. Actual loan terms, interest rates, and repayment amounts depend on your specific loan servicer, loan type, and enrollment in a qualifying repayment plan. Income-driven plan eligibility depends on federal loan type and borrower circumstances. Forgiven amounts may be treated as taxable income. This is not financial advice.