Compare student loan repayment plans. Calculate monthly payments for Standard, Graduated, and Income-Driven plans. See how extra payments save money. Updated with 2025 federal tax brackets, standard deductions, and contribution limits.
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| Tax Rate | Single Filer | Married Filing Jointly |
|---|---|---|
| 10% | $0 – $11,925 | $0 – $23,850 |
| 12% | $11,926 – $48,475 | $23,851 – $96,950 |
| 22% | $48,476 – $103,350 | $96,951 – $206,700 |
| 24% | $103,351 – $197,300 | $206,701 – $394,600 |
| 32% | $197,301 – $250,525 | $394,601 – $501,050 |
| 35% | $250,526 – $626,350 | $501,051 – $751,600 |
| 37% | Over $626,350 | Over $751,600 |
This student loan calculator uses the latest 2025 federal tax brackets, standard deduction of $15,000 (single) / $30,000 (married filing jointly), and updated contribution limits. The Social Security wage cap for 2025 is $176,100, and the 401(k) contribution limit is $23,500.
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| Plan | Monthly | Total Paid | Total Interest | Term |
|---|---|---|---|---|
Standard (10-Year) Cheapest Overall | $379.84 | $45,581 | $10,581 | 10 yr |
Graduated | $227.91 | $53,080 | $18,080 | 10 yr |
Extended (25-Year) | $214.93 | $64,479 | $29,479 | 25 yr |
Income-Driven (IDR) Lowest Monthly | $186.75 | $56,025 | $39,118 | 25 yr |
After 120 qualifying payments (10 years) while working for a qualifying employer, remaining balance may be forgiven.