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If you have already been repaying your federal student loan(s) and want to explore the Standard, Graduated, or Extended repayment plans, we recommend contacting your loan servicer to explore the best repayment option for you.You can still use the Repayment Estimator to help you estimate your monthly payments, but the payment estimates will be less accurate the longer you've been in repayment.Close When we estimate your payments for each repayment plan, we include only the loans that are eligible for that repayment plan.You can check which loans are eligible for which repayment plans by expanding the loan categories in "Your Loans" above.Close Your spouse's eligible federal student loans (if any) or income may be taken into account when determining your eligibility for income-driven repayment plans and your payment amount under the income-driven repayment plans if: If any of these apply, add your spouse's loan(s) (if any) and interest rate(s) here and enter your combined adjusted gross income (AGI) for Your Income.The payment estimates below will include your spouse's income and loans (if any) for purposes of determining payment estimates for your loans only.Income-Driven Repayment or Standard Repayment plan) while working full-time for certain public service employers.

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For example, if you have FFEL Program Loans and Direct Loans, and are interested in the Extended Repayment Plan, but only your Direct Loans are eligible for the Extended Repayment Plan, then the estimated payments for the Extended Repayment Plan will only be based on your Direct Loans, and won't include your FFEL Program Loans.If you have already been repaying your federal student loan(s) and are exploring the REPAYE, PAYE, IBR, or ICR repayment plan, the Repayment Estimator will still help you estimate your monthly payments, but the Total Interest Paid and Total Amount Paid will be less accurate.Close There are currently no outstanding loans in your account.For all plans, family size also includes other people only if they live with you now, receive more than half their support from you now, and will continue to receive this support for the year that you certify your family size.Support includes money, gifts, loans, housing, food, clothes, car, medical and dental care, and payment of college costs.

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