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Enter your loan details to compare every repayment path
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You Save
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Loan Balance
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Total owed
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Best Plan
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Lowest total cost
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Worst Plan Cost
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Most expensive path
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Fastest Payoff
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Shortest timeline
🎯 Your Best Move
Enter your loan details below to get a personalized recommendation.
📋 Your Loan Details
Enter your federal student loan info — find these on studentaid.gov
📊 Quick Compare
Monthly payment and total cost per plan
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Full Plan Comparison
Side by side — every repayment option with your real numbers
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Public Service Loan Forgiveness (PSLF) Check
Do you qualify? How much could be forgiven?
📆 Payment Schedule
Year-by-year payments under each plan
Monthly Payment by Plan
Total Cost Comparison
Years to Payoff
Balance Over Time (Standard)
Student Loan Strategy Report
Vault & Vessel Studio ·
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How To Use
Compare every student loan repayment plan and pick the one that fits your life
🚀 Getting Started
1
Enter Loan Details
Total balance, interest rate, and income. Find your exact numbers at studentaid.gov — it's your federal loan dashboard.
2
Compare All Plans
Standard (fixed 10yr), Graduated (starts low, increases), Income-Driven (based on what you earn), and PSLF (forgiveness after 10yr public service).
3
Check PSLF Eligibility
Work for government or non-profit? You might qualify for loan forgiveness after 120 qualifying payments (10 years).
4
Pick Your Strategy
Lowest monthly payment? Lowest total cost? Fastest payoff? Forgiveness? Choose based on what matters to YOU.
📊 Terms Made Simple
Standard Repayment: Fixed monthly payment for 10 years. Highest monthly payment but lowest total cost. You pay the least interest overall.
Graduated Repayment: Starts low, increases every 2 years. 10-year term. Good if your income is low now but expected to grow. Costs more total than Standard.
Income-Driven (IDR): Payment is 10-15% of your discretionary income (income minus 150% of poverty line). 20-25 year term. Remaining balance forgiven — but you may owe taxes on the forgiven amount.
PSLF: Public Service Loan Forgiveness. Work for government or non-profit, make 120 income-driven payments, and the remaining balance is forgiven tax-free. Must have Direct Loans.
Discretionary Income: Your adjusted gross income minus 150% of the federal poverty guideline for your family size. This is what income-driven payments are calculated on.
🔒 Your Data, Your Device
No subscription · Runs in your browser · Private local file
No data uploaded anywhere · Works 100% offline — no internet needed
No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a directional planning tool, not financial advice. Actual IDR payments depend on AGI, family size, and plan type. PSLF eligibility has specific requirements — verify at studentaid.gov. Consult a student loan advisor for personalized guidance.