Loan Deferment Cost Estimator

Understand the potential financial impact of temporarily pausing your loan payments.

Current Loan Details

Current Outstanding Loan Balance ($):

Current Annual Interest Rate (APR %):

Remaining Loan Term (Months):

Proposed Deferment Terms

Deferment Period (Months):

Is Interest Subsidized During Deferment?

No (Interest will accrue) Yes (Interest is paid by someone else)

Deferment Fee ($) (Optional):

Note: It's assumed the loan term end date will be extended by the deferment period, and the loan will be re-amortized over the original remaining number of payments after deferment.

Estimated Financial Impact of Deferment

Ensure details in Tab 1 & 2 are correct, then click "Calculate Financial Impact" below.

Important: This estimator shows the potential financial impact of deferring your loan payments. Interest may continue to accrue during deferment (unless your loan is subsidized) and could be capitalized (added to your principal balance), increasing your future payments and/or the total interest you pay. Lender policies on deferment, fees, interest accrual, and capitalization vary. Always confirm the exact terms and consequences with your lender before agreeing to a deferment. This is not financial advice.