Federal vs. Private Student Loan Cost Analyzer
Loan Basics (Common for Both)
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Federal Student Loan Details
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Federal rates are fixed. Check current rates on StudentAid.gov for your loan type and academic year.
% of Loan Amount
Check current origination fees on StudentAid.gov (e.g., Direct Sub/Unsub ~1.057%, PLUS loans ~4.228% - these change).
Total Calculated Federal Loan Fees:
Private Student Loan Details
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Variable rates can change over time, potentially increasing your payments.
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Total Calculated Private Loan Fees:
Cost Comparison & Key Differences
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