Step 1: your loans

Which federal repayment plans apply?

Two answers decide which plans you can use. We don't ask about income here.

Who is repaying?

The studentYour own Direct LoansA parentParent PLUS loans

When were or will the federal loans be made?

All on or after July 1, 2026, or not borrowed yetAll before July 1, 2026Some before and some on or after July 1, 2026Not sure, or I have a consolidation loan

The date each loan is made, not when you started school, sets the plans it can use. Not sure? Pick the last option.

Answer both questions to see the federal repayment plans for your loans.

Monthly payment

Answer step 1

Say who is repaying and when the loans were made, and the payment for those plans appears here.

Payment vs. income

Add AGI

Add an AGI estimate to compare affordability

Affordability

Need income data

Add an expected salary to see how the monthly payment compares with earnings.

How we rate this

Calculations are estimates based on current published rates. For your specific eligibility and benefit amounts, contact a VA Education and Career Counselor or your service branch education office.