How do I estimate PSLF qualifying payments?

Enter your loan balance, interest rate, AGI, family size, and qualifying payments made; the estimator simulates remaining months to 120 qualifying payments.

Which repayment plans work with PSLF estimates?

This tool compares common IDR plans (SAVE, REPAYE, PAYE, IBR) and standard 10-year repayment for planning purposes.

Can I rely on this calculator for official PSLF confirmation?

No; use this estimator for planning only and confirm qualifying payments and loan types with your loan servicer and StudentAid.gov.

PSLF Student Loan Calculator USA - Estimate Monthly Payment

PSLF Student Loan Calculator USA — Free Estimate of Monthly Payment & Forgiveness

PSLF Student Loan Calculator USA: a free estimator to quickly approximate monthly payments, check progress toward loan forgiveness, and compare income-driven repayment versus standard schedules for United States federal loans.

Why use this PSLF calculator and federal loan estimator

If you work in public service, education, healthcare, or a qualifying nonprofit, this calculator helps you estimate qualifying payments, project forgiveness under PSLF, and compare IDR payment estimates like SAVE, REPAYE, PAYE, and IBR.

What the PSLF estimator provides (monthly payment, IDR estimate, forgiveness)

Estimated monthly payment across IDR plans and standard 10-year repayment.
Count of qualifying payments made and remaining payments toward PSLF forgiveness.
Approximate forgiven balance after 120 qualifying months and an estimated forgiveness timeline.

Quick start: how to use the PSLF payment calculator and IDR estimator

Enter your total federal loan balance and aggregated interest rate.
Provide AGI and household size to model income-driven payments accurately.
Record qualifying payments already completed and choose a repayment plan to compare.
Click Calculate for an instant PSLF estimate and save the results for servicer verification.

Helpful tools: 1099 Tax Calculator • Child Tax Credit Calculator. Official program rules at StudentAid.gov.

PSLF Student Loan Calculator USA: PSLF payoff estimate, monthly payment & IDR comparison

Total Federal Loan Balance (USD)

Interest Rate (annual %)

Original Term (years)

Qualifying Payments Made

Family Size

Adjusted Gross Income (AGI) Annual (USD) Payment Plan

Estimates are for informational purposes only. Verify your qualifying payments and loan types with your loan servicer and StudentAid.gov.

Interpreting your PSLF estimate and income-driven repayment comparison

Use the monthly payment estimate to plan your budget, compare IDR plans versus a standard repayment schedule, and confirm whether consolidation or plan changes affect your qualifying payments and forgiveness timeline.

Checklist after running a PSLF payment estimate or forgiveness projection

Confirm loan type: Direct Loans versus FFEL/Perkins and consolidation consequences.
Submit Employment Certification Forms to validate qualifying employment and hours.
Keep pay stubs, W-2s, or 1099s and re-run the estimator when AGI or family size changes.

Common scenarios: teacher PSLF estimates, nurse forgiveness projections, public servant planning

Low-payment IDR scenario

Income-driven plans can reduce monthly payments and increase the forgivable balance after 120 qualifying payments.

Consolidation and PSLF impact

Consolidating non-Direct loans may make them eligible for forgiveness but can restart qualifying payment counts; model outcomes first.

FAQ and related topic headings to help search relevance

How does the estimator calculate IDR payments and PSLF qualifying months?

This estimator uses a simplified discretionary-income method for IDR plans and simulates remaining months until 120 qualifying payments; always verify with your loan servicer for official counts and exact payment amounts.