Banking calculator
PSLF scenario explorer
Compare two rough scenarios side by side - continuing toward PSLF versus paying the loan down - with every assumption visible. Illustrative only; not a forgiveness estimate.
Illustrative scenario comparison
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Illustrative single-loan math: run it per loan, or use a weighted-average rate knowing that is itself an approximation. We do not compute income-driven payments - income, family size, plan rules and recertification all move them. Enter the monthly payment and the qualifying-payment count from your servicer. The 120 counted payments cannot be accelerated with extra payments, and qualifying months often do not run continuously (employment changes, non-qualifying plans, forbearance). PSLF eligibility - Direct Loans, full-time qualifying employer, qualifying repayment plan, 120 qualifying payments - is yours to verify with your servicer; annual employment certification is recommended. Sources: studentaid.gov/pslf and studentaid.gov/articles/5-tips-pslf-success/. Not advice.
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