About StudentPayoff

StudentPayoff builds free, instant calculators for one of the most consequential financial decisions twenty-somethings face: how to pay off, refinance, or restructure their student loans. Our tools are designed to be transparent — every number is calculated client-side using the same amortization math your servicer uses, so you can verify what's behind the scenes.

Why we built this

Most student-loan calculators online are either oversimplified (one number, no controls) or buried inside a marketplace that nudges you to refinance before you've thought it through. We wanted calculators that load fast, work on a phone, and give you a real breakdown — months to debt-free, total interest, what an extra payment saves, and the federal-vs-private trade-off — without making you create an account.

Our methodology

Payoff and refi math use the standard fixed-rate amortization formula. IDR figures use the published federal poverty guidelines and plan formulas — but federal IDR rules change frequently, and we always link to studentaid.gov for the current authoritative answer. We don't store your inputs on our server; they're saved locally in your browser only.

Disclosures

StudentPayoff is supported by display ads (Google AdSense) and student-loan-refi affiliate partnerships. We may earn a commission when you click certain links and complete an action with the lender, at no additional cost to you. Our calculations and editorial decisions — including which lenders we review — are not influenced by these partnerships.

The tools and content on this site are for educational purposes only and do not constitute financial, legal, or tax advice. Federal student loan rules in particular change frequently — always confirm with studentaid.gov, your loan servicer, or a licensed professional before making decisions.

Get in touch

Found a bug, want a new calculator, or have feedback? Email us at hello@studentpayoff.com.