Student Loan Calculator Pro

This app is not a government app.

Student Loan Calculator Pro is an offline estimator for U.S. federal student loan repayment. Compare the Repayment Assistance Plan with Standard, Tiered Standard, Graduated, IBR, PAYE, and a SAVE comparison view.

Enter loan balance, interest rate, AGI, family size, tax dependents, state, and filing status. The app estimates a monthly payment, total paid, interest, and a forgiveness timeline. It is not the U.S. Department of Education, not Federal Student Aid, and not a loan servicer. Figures are estimates, not a servicer quote, and not an application for a repayment plan.

Official sources
Repayment Assistance Plan:
https://edfinancial.studentaid.gov/income-driven-repaymentinformation-center/rap

Congressional Research Service, The Repayment Assistance Plan (IF13075):
https://www.congress.gov/crs_external_products/IF/HTML/IF13075.html

Congressional Research Service, Direct Loan repayment plans (IF13243):
https://www.congress.gov/crs_external_products/IF/PDF/IF13243/IF13243.1.pdf

P.L. 119-21:
https://www.congress.gov/119/plaws/publ21/PLAW-119publ21.htm

Income-driven repayment, 34 CFR 685.209:
https://www.ecfr.gov/current/title-34/section-685.209

Fixed payment plans, 34 CFR 685.208:
https://www.law.cornell.edu/cfr/text/34/685.208

HHS poverty guidelines:
https://www.federalregister.gov/documents/2026/01/15/2026-00755/annual-update-of-the-hhs-poverty-guidelines

Rules as of September 10, 2026. Scenarios stay on the device.

Privacy: https://linespotting.com/privacy-policy/
Terms: https://linespotting.com/tos/
Publisher: LineSpotting AB.

Recent changes:
Official StudentAid, Congress, and CFR links are in the app. This app is not a government app.