Aftergrad Ledger
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Student loan planning for U.S. borrowers

One loan at a time. A clearer payoff plan starts here.

Start with one free scheduled-payment estimate for a U.S. student loan. Active Premium unlocks payoff comparisons with a monthly extra or additional scenarios; then take the assumptions to your servicer.

Run the free calculatorGet the free worksheet

Educational planning information only. An estimate is not a promise of savings or a payoff date.

One loan at a timePlanning flow

Start with a free estimate. Compare with Premium.

  1. 01Start with one loanBalance and annual interest rate
  2. 02Set the monthly amountsScheduled payment; Premium adds an optional extra
  3. 03Compare payoff estimatesOne free estimate, with more comparisons on Premium

The calculator below starts with sample figures; replace them with your own.

Free calculator · one loan

Estimate your payoff without leaving home.

Enter a balance, annual interest rate, and scheduled monthly payment to see an estimated payoff date, total interest, balance schedule, and educational Loan Health Score.

Sample values are prefilled; replace them with current statement figures. Free: one loan’s scheduled-payment estimate, total interest, and Loan Health Score. Active Premium adds multiple scenarios, extra-payment comparisons, and score-matched strategies.

One free payoff scenario

Plan a payoff scenario

Your first balance, rate, payment, and payoff estimate are free. Multiple scenarios require an active Premium subscription.

Scenario 1

Scenario 1

Estimated payoff date

September 2035

About 8 yr 10 mo at this payment.

Estimated total interest: $11,314.23

Estimated balance over time · Scenario 1Estimate

Based on this scenario’s current inputs, with the rate and payment held steady. Starts at $36,000.00 in November 2026; estimated payoff is September 2035 at $0.00.

Estimated loan balance (USD)

Scenario 1: estimated loan balance over timeEstimated loan balance in dollars by calendar month for Scenario 1. The plotted line starts at $36,000.00 in November 2026 and reaches $0.00 in September 2035.$36K$18K$0Nov 26Apr 31Sep 35

Estimated calendar month

58

Free · educational indicator

Loan Health Score

This score updates with the balance, annual rate, and scheduled monthly payment entered above. It is an educational loan-health indicator, not a credit score, lender assessment, or promised outcome.

How the 1–100 scale works
  • 55% · Payment after interest: more of the scheduled payment left for principal raises the score.
  • 25% · Annual interest rate: a lower entered rate raises the score.
  • 20% · Payment relative to balance: larger scheduled payments compared with the balance raise the score, capped at one year of the balance.

Each factor is normalized, weighted as shown, combined, and rounded to an integer from 1 to 100. A zero balance receives 100. Estimates use the entered figures and do not account for fees, changing rates, or loan-status changes.

Aftergrad Ledger Premium

Turn this score into practical next steps.

Active Premium includes actionable strategies matched to the score’s payment, rate, and balance factors, alongside the existing specialized calculators and comparisons.

Existing plans: $9.99 monthly or $79 annually. Strategies require active Premium.

Explore Premium plans

One-time What If access · $6.99 USD

What If?

Compare four changes with the free payoff estimate above. The basic balance, rate, scheduled payment, and payoff result remain free.

$6.99 USD · one time
  1. Add $50/month
  2. Add $100/month
  3. Refinance at 5%
  4. Increase salary by 10%

Set the salary scenario

Enter gross annual salary and the share of a 10% gross raise to put toward monthly loan payments.

Enter both values to see the monthly payment increase from the gross raise.

Checking What If access…

The four scenario identities remain visible while payment status is checked.

How to read these estimates

  • Each comparison models one loan with a steady balance, rate, and monthly payment. Monthly interest is applied before the payment and rounded to cents, matching the free calculator; results stop at 1,200 months.
  • The 5% refinance is a hypothetical rate-only comparison on the same balance and current payment, not a lender quote. New loan term changes, refinance fees, and effects on federal borrower protections are not modeled.
  • The salary case uses gross annual salary before taxes. It assumes the 10% gross raise has occurred and the selected share becomes a steady monthly payment increase; taxes and take-home pay are not estimated.
  • Fees, deferments, new borrowing, and loan-status changes are excluded. These are estimates, not financial advice; confirm payment handling and current terms with your servicer.

This free link contains the first scenario only.

One loan at a time

Assumptions in plain language

Verify before you change course

A simple place to begin

Start with the numbers you already have.

The payoff calculator is for one loan. Bring the balance, rate, and scheduled monthly payment from a current statement for a free estimate. Active Premium unlocks comparisons with an extra monthly payment or additional scenarios.

01

Use one current loan statement

Start with the loan’s balance, annual rate, and scheduled payment. If you are unsure which figures apply, ask your servicer.

02

Compare a payment scenario

Active Premium can compare a scheduled-payment estimate with a recurring extra amount. The calculator holds the rate and payments steady.

03

Check what your loan allows

Before changing a payment or plan, confirm current terms, protections, and how extra payments are applied with your servicer or an official source.

Ready to enter one loan’s details?

Open the free scheduled-payment estimate

Know what you’re comparing

Federal and private loans can have different terms.

The options and protections connected to a loan depend on its type and current terms. Verify them before refinancing, changing repayment plans, or sending extra money.

A

Federal loans

Federal repayment plans and eligibility can change. Check your loan details and current options with your servicer and Federal Student Aid before making a decision.

Review Federal Student Aid repayment plans

Program details and eligibility may change. Confirm current information with your servicer and official sources.

Tools and resources

Keep your next question close at hand.

Use the free one-loan scheduled-payment estimate, or explore Premium comparisons, then organize loan details and questions before talking with your servicer.

Free student loan payoff estimateActive Premium unlocks extra-payment and multi-scenario comparisonsAll student loan toolsExplore the existing payoff and repayment toolsPrintable payoff worksheetOrganize balances, rates, and questions for your servicerPayoff strategy guideReview trade-offs before choosing an approach

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