You can manage your student loan debt. We can help.

The average graduate has $28,100 in student loan debt that will cost $39,242 between now and 2032. Click through the repayment options to see how they will affect your monthly payment and total loan cost. Remember you can: (1) Upload your actual data from NSLDS or manually enter your actual loan amounts, (2) view all eligible repayment options (3) apply for changes to your repayment options with your servicer and (4) sign up for our rewards program, SmarterBucks, to earn rewards that are contributed as extra payments toward your student loan debt.

Customize your loan amounts

Have other loan types? PayBackSmarter also supports Perkins, Consolidation, Institutional and Other loans. Use the drop down to add them; then click the Done button. Need to find your federal loan balance? Look it up here.

New: You can now get your NSLDS MyStudentData file and upload it to automatically enter your federal loan amounts.

Summary Monthly payment Payment difference Pay-off year Total cost Cost difference
Standard repayment $322 2032 $39,242
Consolidate your federal loans $218 $103 less 2037 $51,711 $12,469 more
Graduated repayment $225 $96 less 2032 $41,408 $2,166 more
Extended repayment Extended repayment is only available for borrowers with more than $30,000 in federal loans.
Income-based repayment Income-based repayment is different for everyone: Get your estimate
Postponed repayment See if you're eligible: Get started
Make an extra payment ($20/month)SmarterBucks® can help you make extra payments. Learn more. $342 $20 more 2027 $38,559 $683 less


Learn more about

Upload your file

The U.S. Department of Education's central database for student aid, called the National Student Loan Data System (NSLDS), allows you to download your federal loan information into a text file format called MyStudentData. You will need to log in to the NSLDS Student Access website using your Federal Student Aid personal identification number (PIN). Click "Financial Aid Review" to start the process.

If you forgot your PIN, go to Federal Student Aid PIN website for assistance. After logging into NSLDS, find the MyStudentData button on either the Financial Aid Review or Loan Detail page then download and save the file to your local drive (remember the location).

When you are ready to upload your file from your local drive into PayBackSmarter, simply select "Browse for you file". Browse for and select the NSLDS MyStudentData file on your local drive. When your file is uploaded, all federal loan data will be updated in the "Customize Loan Amounts" section of PayBackSmarter.Any non-federal loans such as private, institutional, or other loans can be manually added.

  1. Select a file to upload
  2. Get your file