Disclaimer

Not financial, tax or legal advice. Student Loan Clear explains federal student loan rules as they are published and estimates what different repayment plans could cost. It does not know your full loan history and does not tell you which plan to choose. Decisions about your loans are yours; a qualified professional can advise on your situation.

Not a government site. Student Loan Clear is independent. It is not affiliated with, endorsed by, or acting for the U.S. Department of Education, Federal Student Aid, StudentAid.gov, or any loan servicer. Applying for a repayment plan through StudentAid.gov or your servicer is free.

Estimates only. Results come from the formulas in the law and regulations with the assumptions listed on the methodology page. Your servicer calculates your actual payment from your tax and loan records, and rules can change. Where this site and your servicer or StudentAid.gov disagree, they are right.

Dates. Each page shows when its rules were last checked against the official sources. We update pages when rules change, but there can be a delay.