Student Loan Calculator — With In-School Interest & Capitalization
Calculate your post-graduation monthly payment and lifetime loan cost. Toggle between subsidized and unsubsidized loans to see the exact impact of.
✓ Formula verified: January 2026For informational purposes only
Student Loan Calculator
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Monthly Payment (10-Year Plan)
$397.95/mo
Original Loan Balance
$35,000
Total Interest Paid During Repayment
▼ $12,754
Total Lifetime Loan Cost
▼ $47,754
Projected Payoff
10 years after repayment begins
What if your loan balance changes? $31500 → $358.16/mo · $35000 → $397.95/mo · $38500 → $437.75/mo
Scenario Comparison
Conservative (5%)
$16,470.09
$6,470.09 interest
Your scenario (7%)
$20,096.61
$10,096.61 interest
Aggressive (10%)
$27,070.41
$17,070.41 interest
High-risk (14%)
$40,224.71
$30,224.71 interest
Best return
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Lifetime Cost Breakdown
Where Your Money Goes
Original Principal
$35,000(73%)
Repayment Interest
$12,754(27%)
Repayment Term Comparison
10-Year Plan
$397.95/mo$12.8K interest
15-Year Plan
$305.47/mo$20.0K interest
20-Year Plan
$261.57/mo$27.8K interest
25-Year Plan
$236.98/mo$36.1K interest
Bar length = total interest paid. Shorter bar = less paid overall.
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