Income-Driven Repayment (IDR) Estimator

For U.S. Federal Student Loans. This tool provides estimates only. Official calculations are done by your loan servicer via StudentAid.gov.

Your Information

Your Adjusted Gross Income (AGI) * ($)

Family Size * (Including yourself, spouse if applicable, children, and other dependents)

State of Residence *

Marital Status *

Spousal Information (if married)

Spouse's AGI (if Married Filing Separately, enter $0 if not applicable to income calculation for desired plan, or if filing jointly and already included above) For SAVE, if Married Filing Separately, spouse's AGI is NOT used. For PAYE/IBR, it IS used unless separated.

Loan Information

Total Federal Student Loan Debt * ($)

Primary Type of Loans You Hold * (This affects SAVE plan calculation)

Loan Balance Breakdown (for SAVE plan with mixed loans)

Your Approximate Undergraduate Federal Loan Balance ($)

Your Approximate Graduate Federal Loan Balance ($)

Ensure these sum up to your Total Federal Student Loan Debt if both are entered.

Estimated Monthly Payments

Estimates based on 2024 HHS Poverty Guidelines. Actual payments determined by loan servicer.