Take Control of Your Student Debt Like a Pro

Our Student Loan Repayment Calculator helps you see exactly when you'll be debt-free — and how much you could save by prepaying or investing smartly.

Your profile & loan

Results & recommendation

Ready
Time to debt‑free (months)
Total interest (baseline → with plan)
Monthly payment now

Amortization (rolled‑up)

MonthBegin BalancePaymentInterestPrincipalEnd Balance
Assumes fixed rates. Forgiveness paths (PSLF/IDR) can change the optimal plan. This is not financial advice, for educational purposes only.
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Supporting Resources for Members
‍
‍Loan Repayment Calculator User Guide
‍Designed to help physicians use this calculator more effectively.
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‍Loan Repayment Calculator Flowchart
‍A decision tree, useful for determining your next steps in paying off student loans.

Primer: Using the Optimizer wisely

  1. Emergency fund first. Target 3–6 months. Keep minimum loan payments while you build it.

  2. Capture your employer match. It’s a near‑risk‑free return. Contribute enough to get the full match.

  3. High‑interest non‑student debt beats everything. If you have it, pay that before extra on student loans.

  4. Forgiveness? If eligible for PSLF/IDR forgiveness, avoid prepayments that could forfeit benefits. Keep documentation.

  5. Compare rates. If your loan APR exceeds expected after‑tax investment return by your buffer, favor prepaying. Otherwise, investing may win; if close, splitting is reasonable.

  6. Re‑check yearly or when rates/income change.

This tool is educational guidance, not individualized financial advice.