Finance tool

Student Loan Extended Repayment Calculator

Evaluate monthly payments and long-term interest burdens over an extended 25-year repayment plan.

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About Extended Student Loan Repayment

Extended plans stretch repayment up to 25 years for qualifying borrowers with balances exceeding $30,000, lowering monthly obligations while increasing overall interest.

Frequently Asked Questions

Who qualifies for extended plans?

Borrowers must have over $30,000 in outstanding Direct or FFEL loans.

How does extended compare to standard 10-year repayment?

Monthly dues decrease substantially, but cumulative interest often doubles over 25 years.

Can I choose fixed or graduated payments?

Extended plans allow either fixed monthly payments or graduated schedules that increase every two years.

Does extended repayment qualify for PSLF?

No, extended plans are not qualifying repayment plans for Public Service Loan Forgiveness.

How to use

Calculate in three steps

  1. 1
    Enter your valuesUse the fields above and check the units shown beside each input.
  2. 2
    Run the calculationSelect Calculate to refresh the result with your latest values.
  3. 3
    Review or shareCompare the result, reset the form, print it, or share this page.
Inputs

What you need

Student Loan Balance (Min $30,000)$
Interest Rate%
Extended Term (Years)yrs
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