Compare your repayment paths.
Estimate monthly payments during residency and practice. Compare costs and eligibility before choosing your next step.
What would you pay each month?
Compare nine federal repayment paths using each loan’s own balance and rate. Start with the example, then replace it with your numbers. No sign-in required.
Your assumptions
Example inputsThese figures stay in this page session. Use current principal balances and annual adjusted gross income (AGI), not take-home pay. Assumes loans are in repayment and not in default.
More eligibility and payment-cap details
Print to keep this comparison. Your saved school-funding plan is separate; these repayment inputs do not automatically transfer.
All payments are monthly, for you only. Income columns are separate snapshots, not a training-to-practice timeline. For Graduated plans, both columns show the first step. Scroll the table sideways on smaller screens.
| Plan | Training AGI | Practice AGI | Maximum term* | Modeled total paid |
|---|---|---|---|---|
| Repayment Assistance Plan (RAP)Check details | $325.00 | $2,083.33 | 30 years | Not projected |
| Income-Based Repayment (IBR)Check details | $342.17–$513.25 | $1,883.83–$2,322.17 | 20–25 years | Not projected |
| Pay As You Earn (PAYE)Check details | $342.17 | $1,883.83 | 20 years | Not projected |
| Income-Contingent Repayment (ICR)Check details | $817.33 | $3,432.74 | 25 years | Not projected |
| Extended GraduatedCheck details | $1,166.67 | $1,166.67 | 25 years | $458,784 |
| GraduatedCheck details | $1,342.36 | $1,342.36 | 10 years | $300,505 |
| Tiered StandardCheck details | $1,413.56 | $1,413.56 | 25 years | $424,068 |
| Extended FixedCheck details | $1,413.56 | $1,413.56 | 25 years | $424,068 |
| StandardCheck details | $2,322.17 | $2,322.17 | 10 years | $278,660 |
*For income-driven plans, the term is the qualifying-payment period before potential forgiveness, not a payoff forecast. PAYE and ICR sunset by July 1, 2028. Their legacy terms do not mean continued access.
Eligibility, costs, and assumptions
Repayment Assistance Plan (RAP)Check details
AGI band percentage, less $50 per claimed tax dependent. A $10 borrower minimum applies after any spouse allocation.
- Federal balance included
- $200,000
- Federal balance excluded
- $0
- Modeled interest
- Not projected
- Confirm whether you received any new Direct Loan or consolidation on or after July 1, 2026.
On-time payments may receive an unpaid-current-interest waiver and principal match. No lifetime cost or forgiven balance is projected; future income and prior qualifying payments are unknown.
PSLF: Potentially qualifying for eligible Direct Loans, employment, and payments.
Income-Based Repayment (IBR)Check details
10–15% of income above 150% of the regional poverty guideline, limited by the Standard cap.
- Federal balance included
- $200,000
- Federal balance excluded
- $0
- Modeled interest
- Not projected
- Confirm whether you received any new Direct Loan or consolidation on or after July 1, 2026.
- The range shows both IBR formulas. Confirm the July 1, 2014 new-borrower test to choose 10% / 20 years or 15% / 25 years.
- The payment cap uses today’s entered balance. An existing IDR borrower should enter their servicer-confirmed 10-year Standard cap.
IBR forgiveness generally requires 20 or 25 years of qualifying payments. These are two income snapshots, not a lifetime repayment or forgiveness forecast.
PSLF: Potentially qualifying for eligible Direct Loans, employment, and payments.
Pay As You Earn (PAYE)Check details
10% of income above 150% of the regional poverty guideline, limited by the Standard cap.
- Federal balance included
- $200,000
- Federal balance excluded
- $0
- Modeled interest
- Not projected
- Confirm whether you received any new Direct Loan or consolidation on or after July 1, 2026.
- PAYE requires the October 1, 2007 new-borrower test and a Direct Loan disbursement on or after October 1, 2011.
- Temporary option: transition to another plan by July 1, 2028. Confirm enrollment availability with your servicer.
- The payment cap uses today’s entered balance. An existing IDR borrower should enter their servicer-confirmed 10-year Standard cap.
PAYE must be replaced by July 1, 2028. Its 20-year legacy qualifying period is not a forecast of continued access.
PSLF: Potentially qualifying for eligible Direct Loans, employment, and payments.
Income-Contingent Repayment (ICR)Check details
Lower of 20% of income above the poverty guideline or a 12-year payment adjusted by the official 2026–27 income factor.
- Federal balance included
- $200,000
- Federal balance excluded
- $0
- Modeled interest
- Not projected
- Confirm whether you received any new Direct Loan or consolidation on or after July 1, 2026.
- Temporary option: transition to another plan by July 1, 2028. Confirm enrollment availability with your servicer.
The 25-year qualifying period is a legacy rule, not 25 more years of access to ICR. The plan sunsets by July 1, 2028. Uses entered balances as repayment-entry balances; prior repayment can change your benchmark.
PSLF: Potentially qualifying for eligible Direct Loans, employment, and payments.
Extended GraduatedCheck details
Illustration with payments increasing every two years. Your servicer sets the actual steps; income does not set this schedule.
- Federal balance included
- $200,000
- Federal balance excluded
- $0
- Modeled interest
- $258,784
- Final step illustration*
- $1,995.36/mo
- Confirm whether you received any new Direct Loan or consolidation on or after July 1, 2026.
- Confirm the Extended plan’s October 7, 1998 new-borrower requirement.
Assumes repayment begins now, unchanged rates, monthly payments, and no prior repayment credit or deferments. Enter principal at repayment entry; accrued interest and capitalization can change the result.
PSLF: Generally not a PSLF-qualifying plan; verify any exception with FSA.
*For mixed consolidation and non-consolidation terms, this sums each schedule’s final step; the steps may occur in different years.
GraduatedCheck details
Illustration with payments increasing every two years. Your servicer sets the actual steps; income does not set this schedule.
- Federal balance included
- $200,000
- Federal balance excluded
- $0
- Modeled interest
- $100,505
- Final step illustration*
- $4,027.09/mo
- Confirm whether you received any new Direct Loan or consolidation on or after July 1, 2026.
Assumes repayment begins now, unchanged rates, monthly payments, and no prior repayment credit or deferments. Enter principal at repayment entry; accrued interest and capitalization can change the result.
PSLF: Generally not a PSLF-qualifying plan; verify any exception with FSA.
*For mixed consolidation and non-consolidation terms, this sums each schedule’s final step; the steps may occur in different years.
Tiered StandardCheck details
Fixed-payment illustration over up to 25 years, calculated at each loan’s own rate.
- Federal balance included
- $200,000
- Federal balance excluded
- $0
- Modeled interest
- $224,068
- Confirm whether you received any new Direct Loan or consolidation on or after July 1, 2026.
Assumes repayment begins now, unchanged rates, monthly payments, and no prior repayment credit or deferments. Enter principal at repayment entry; accrued interest and capitalization can change the result.
PSLF: Generally not a PSLF-qualifying plan; verify any exception with FSA.
Extended FixedCheck details
Fixed-payment illustration over up to 25 years, calculated at each loan’s own rate.
- Federal balance included
- $200,000
- Federal balance excluded
- $0
- Modeled interest
- $224,068
- Confirm whether you received any new Direct Loan or consolidation on or after July 1, 2026.
- Confirm the Extended plan’s October 7, 1998 new-borrower requirement.
Assumes repayment begins now, unchanged rates, monthly payments, and no prior repayment credit or deferments. Enter principal at repayment entry; accrued interest and capitalization can change the result.
PSLF: Generally not a PSLF-qualifying plan; verify any exception with FSA.
StandardCheck details
Fixed-payment illustration over up to 10 years, calculated at each loan’s own rate.
- Federal balance included
- $200,000
- Federal balance excluded
- $0
- Modeled interest
- $78,660
- Confirm whether you received any new Direct Loan or consolidation on or after July 1, 2026.
Assumes repayment begins now, unchanged rates, monthly payments, and no prior repayment credit or deferments. Enter principal at repayment entry; accrued interest and capitalization can change the result.
PSLF: Only the 10-year Standard schedule is generally PSLF qualifying.
Planning estimates, not an eligibility decision. No plan is automatically recommended. Confirm loan history, recertification, capitalization, payment counts, and tax treatment with your servicer. IDR lifetime cost and forgiven balances are not projected. Graduated schedules are illustrative, not servicer quotes.
Perkins, unidentified federal loans, FFEL consolidation / Parent PLUS, and lender-specific Income-Sensitive Repayment need individual review. Use “Other / unsure” for unlisted loan types. SAVE is not offered as an available path. Verify with the official Loan Simulator ↗
A little context, when you need it.
Example: $200,000 in loans on a resident’s income
Assume one Direct Unsubsidized loan at 7%, $65,000 annual AGI, single filing, and no dependents. A 10-year fixed schedule is about $2,322/month. RAP is $325/month: $65,000 × 6% ÷ 12.
Those are monthly-payment comparisons, not equal repayment terms or a recommendation. The lower bill does not establish lower lifetime cost. Borrowing dates determine which plans you can use.
Verify the RAP formula ↗How are payments calculated?
Fixed schedules calculate each loan separately using its balance, annual rate, and repayment term, then add the payments. Income-driven estimates use the selected plan’s income formula and applicable family, spouse, and payment-cap rules.
Training and practice are separate income snapshots—not a payoff forecast. Fees, future rate changes, and IDR lifetime costs are not projected. Graduated schedules are illustrations; confirm your actual schedule with your servicer.
Check borrowing dates and repayment rules →Does residency count toward PSLF?
It can, but the job title is not enough. Your actual employer, loans, repayment plan, and qualifying payments must meet PSLF requirements. This calculator does not verify your employer or payment count.
Read the residency PSLF checklist →What about private loans or a spouse’s income?
Private debt is excluded from federal plan estimates and shown separately. For joint tax filing, enter both spouses’ income and eligible debt. A lower loan payment alone does not make separate filing the better household decision.
Educational estimates, not individual financial advice. Sources and review approach →