Use this calculator to estimate whether you qualify for the Income-Based Repayment Plan (IBR), and what your estimated monthly payment would be, based on your
- federal student loan balance,
- adjusted gross income (AGI),
- federal income tax filing status,
- family size, and
- state of residence.
Note: If you filed a joint federal income tax return and your spouse has federal student loans, you’ll need your spouse’s federal student loan balance as well.
Do you need information about the federal student loans you received?
The National Student Loan Data System (NSLDS®) provides information such as the type(s) of loans you have taken out, outstanding principal and interest, the total amount of all your loans, and who your loan servicer is. You will need your Federal Student Aid PIN to sign in to NSLDS.
NSLDS has information about only your federal student loans—private loans are not included.
Income-Based Repayment Calculator
You might want to have income information, such as your most recently filed federal income tax return, ready before you start.
Select the options that apply to you and enter your information.