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Student Loan Graduated Repayment Calculator
Estimate stepped payments starting lower and increasing every two years under a graduated student loan plan.
About Graduated Repayments
Graduated plans begin with lower monthly payments that step up roughly every two years, intended for borrowers anticipating steady salary growth.
Frequently Asked Questions
How often do payments increase?
Payments generally step up every two years across the repayment term.
Does this plan increase total interest paid?
Yes, smaller early principal reductions result in higher lifetime interest costs compared to standard plans.
Can payments exceed three times the initial amount?
No single payment may exceed three times the lowest scheduled payment amount.
Can I switch out of graduated repayment?
Borrowers can switch to standard or income-driven repayment plans at any time.
How to use
Calculate in three steps
- 1Enter your valuesUse the fields above and check the units shown beside each input.
- 2Run the calculationSelect Calculate to refresh the result with your latest values.
- 3Review or shareCompare the result, reset the form, print it, or share this page.
Inputs
What you need
Loan Balance$
Interest Rate%
Repayment Term (Years)yrs