Free payoff planning worksheet
Get your student loan details on one page.
A practical starting point for comparing repayment choices. Fill this out with your latest statements and servicer information.
01
List your loans
Add a row for each loan. Use an additional copy if you need more space. On a phone, swipe the table horizontally to see every column.
| Servicer / loan name | Federal or private | Current balance | Rate | Required payment |
|---|---|---|---|---|
02
Before you change course
- I know which loans are federal and which are private.
- I checked the current repayment terms and protections on each loan.
- I compared total cost as well as the monthly payment.
- I checked how my servicer applies extra payments.
03
Set a monthly target
Required payments
Extra amount, if any
Monthly total
Review this plan on
04
Questions to take to your servicer
Want to compare a payment?
Try the payoff estimate with one loan’s balance, rate, and monthly amount.
For education and organization only. This worksheet is not financial, tax, or legal advice. Confirm current terms with your loan servicer; federal repayment rules and available options can change.