Federal Loan Repayment Estimator

Estimate your future monthly payments for your federal student loans, including for your Federal Direct and Federal PLUS Loans. Determine how much salary will be required to make the payments on this debt.



These results assume that you are paying the interest charges on any unsubsidized loans and not capitalizing the interest while in school. If you are capitalizing the interest, the cumulative payments and total interest charges will be higher than shown here.

HESC Federal Loan Repayment Estimator Results

It is estimated that you will need an annual salary of at least the Minimum Annual Salary figure above to be able to afford to repay this loan amount. This estimate assumes that you will commit 10% of your gross monthly income to repaying your student loans.

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