Subsidized and accruing portions
The entered subsidized share is protected from modeled school and grace interest. Interest on the remaining balance is either paid as it accrues or added to debt.
Education borrowing and repayment plan
Follow student debt from school through the final payment
Project new borrowing, subsidized and accruing portions, school and grace-period interest, standard repayment, recurring and lump-sum extras, payment burden, and an optional refinancing comparison.
Plan with context
Student-loan cost begins before the first required payment.
The amount borrowed and the amount entering repayment can differ when interest accrues during school or grace. This timeline makes that capitalization visible before modeling payoff choices.
Capitalization raises the base
Unpaid pre-repayment interest increases the balance that later repayment interest is calculated from, creating interest on earlier interest.
Extra payments reduce future interest
Monthly, annual, and one-time extras reduce principal in their modeled payment periods and shorten the balance’s exposure to interest.
Payment burden needs income context
The payment-to-gross-income metric is not an eligibility test, but it helps connect the debt schedule with the borrower’s expected starting income.
Refinancing can trade benefits for rate
A private refinance may lower rate or change term but can permanently replace federal repayment, deferment, discharge, and forgiveness protections.
Repayment programs change
Income-linked and forgiveness programs depend on current law, loan type, borrower status, qualifying payments, and servicer records; a fixed amortization model cannot determine eligibility.
Included
Current debt, annual borrowing, school timeline, subsidized share, interest during school, grace, standard term, three extra-payment types, income burden, refinance comparison, charts, and schedules.
Not included
Origination fees, semester-level disbursement dates, multiple loan rates, variable rates, formal income-driven payment formulas, forgiveness, taxes, deferment, delinquency, or servicer allocation rules.
Use it well
Use each loan’s current balance and rate, confirm subsidy treatment, request an official payoff estimate, and compare federal protections before considering private refinancing.