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.


Federal loan consolidation

Monthly payment $218
Payment difference $103 less
Payoff year 2037
Total cost $51,711
Want to simplify your life with one monthly payment? Consider consolidation. There is one caveat: federal student loans can be combined into Federal Direct Loan Consolidation but private student loans can't. Learn more
Need to consolidate private loans? Get started
  • Federal loans
  • Private loans
  • Perkins loan

Pay your loans back even faster with an extra monthly payment — now even easier with SmarterBucks®. Get started

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

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