Calculer student loan payments, total interest, and repayment timelines. Supports deferment, interest-only, and immediate repayment options. Compare federal and private loan scenarios with pure côté client calculations.
Ceci student loan calculator helps you estimate monthly payments, total interest costs, and understand how different repayment strategies affect your loan. Whether you have federal student loans, private loans, or a combination, you can compare deferred repayment (no payments during school), interest-only payments, and full immediate repayment options. Tout calculations happen in your browser — your financial data never leaves your device.
With deferred repayment, you make no payments while in school and interest accrues on your balance. With interest-only repayment, you pay only the interest each month during school, preventing your balance from growing. Full repayment means you start paying principal and interest immediately.
Interest capitalization occurs when unpaid interest is added to your principal balance. For deferred loans, this typically happens at graduation, increasing your total repayment amount. Our calculator shows you exactly how much extra this costs.
Federal student loan rates for undergraduates typically range from 4% to 6% (set annually by Congress). Private student loan rates vary widely based on creditworthiness, typically ranging from 3% to 14%. Graduate and parent PLUS loans often have higher rates.
Standard federal student loan repayment is 10 years, but income-driven repayment plans can extend to 20-25 years. Private loan terms typically range from 5 to 20 years. Use our calculator to see how different terms affect your payments.
Oui, most student loans allow early repayment without penalty. Paying extra toward principal can significantly reduce your total interest costs. Use the calculator to see how additional payments would affect your loan.