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Student Loan Refinancing Calculator to calculate the costs and savings of refinancing your student loan.
Student Refinance Calculator Results |
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New Monthly Payment: |
$1,374.84 | |||||
Payoff Date: |
Mar, 2031 | |||||
Total Interest Savings: |
$22,795.33 | |||||
Student Loan Refinance Amortization Schedule |
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| Payment Date | Payment # | Interest Paid | Principal Paid | Total Payment | Remaining Balance | |
|---|---|---|---|---|---|---|
| Apr, 2025 | 1 | $364.79 | $1,010.05 | $1,374.84 | $83,989.95 | |
| May, 2025 | 2 | $360.46 | $1,014.38 | $1,374.84 | $82,975.57 | |
| Jun, 2025 | 3 | $356.10 | $1,018.74 | $1,374.84 | $81,956.83 | |
| Jul, 2025 | 4 | $351.73 | $1,023.11 | $1,374.84 | $80,933.72 | |
| Aug, 2025 | 5 | $347.34 | $1,027.50 | $1,374.84 | $79,906.22 | |
| Sep, 2025 | 6 | $342.93 | $1,031.91 | $1,374.84 | $78,874.31 | |
| Oct, 2025 | 7 | $338.50 | $1,036.34 | $1,374.84 | $77,837.97 | |
| Nov, 2025 | 8 | $334.05 | $1,040.79 | $1,374.84 | $76,797.18 | |
| Dec, 2025 | 9 | $329.59 | $1,045.25 | $1,374.84 | $75,751.93 | |
| Jan, 2026 | 10 | $325.10 | $1,049.74 | $1,374.84 | $74,702.19 | |
| Feb, 2026 | 11 | $320.60 | $1,054.24 | $1,374.84 | $73,647.94 | |
| Mar, 2026 | 12 | $316.07 | $1,058.77 | $1,374.84 | $72,589.17 | |
| Apr, 2026 | 13 | $311.53 | $1,063.31 | $1,374.84 | $71,525.86 | |
| May, 2026 | 14 | $306.97 | $1,067.88 | $1,374.84 | $70,457.99 | |
| Jun, 2026 | 15 | $302.38 | $1,072.46 | $1,374.84 | $69,385.53 | |
| Jul, 2026 | 16 | $297.78 | $1,077.06 | $1,374.84 | $68,308.47 | |
| Aug, 2026 | 17 | $293.16 | $1,081.68 | $1,374.84 | $67,226.78 | |
| Sep, 2026 | 18 | $288.51 | $1,086.33 | $1,374.84 | $66,140.45 | |
| Oct, 2026 | 19 | $283.85 | $1,090.99 | $1,374.84 | $65,049.47 | |
| Nov, 2026 | 20 | $279.17 | $1,095.67 | $1,374.84 | $63,953.80 | |
| Dec, 2026 | 21 | $274.47 | $1,100.37 | $1,374.84 | $62,853.42 | |
| Jan, 2027 | 22 | $269.75 | $1,105.10 | $1,374.84 | $61,748.33 | |
| Feb, 2027 | 23 | $265.00 | $1,109.84 | $1,374.84 | $60,638.49 | |
| Mar, 2027 | 24 | $260.24 | $1,114.60 | $1,374.84 | $59,523.89 | |
| Apr, 2027 | 25 | $255.46 | $1,119.38 | $1,374.84 | $58,404.50 | |
| May, 2027 | 26 | $250.65 | $1,124.19 | $1,374.84 | $57,280.31 | |
| Jun, 2027 | 27 | $245.83 | $1,129.01 | $1,374.84 | $56,151.30 | |
| Jul, 2027 | 28 | $240.98 | $1,133.86 | $1,374.84 | $55,017.44 | |
| Aug, 2027 | 29 | $236.12 | $1,138.72 | $1,374.84 | $53,878.72 | |
| Sep, 2027 | 30 | $231.23 | $1,143.61 | $1,374.84 | $52,735.11 | |
| Oct, 2027 | 31 | $226.32 | $1,148.52 | $1,374.84 | $51,586.59 | |
| Nov, 2027 | 32 | $221.39 | $1,153.45 | $1,374.84 | $50,433.14 | |
| Dec, 2027 | 33 | $216.44 | $1,158.40 | $1,374.84 | $49,274.74 | |
| Jan, 2028 | 34 | $211.47 | $1,163.37 | $1,374.84 | $48,111.37 | |
| Feb, 2028 | 35 | $206.48 | $1,168.36 | $1,374.84 | $46,943.00 | |
| Mar, 2028 | 36 | $201.46 | $1,173.38 | $1,374.84 | $45,769.63 | |
| Apr, 2028 | 37 | $196.43 | $1,178.41 | $1,374.84 | $44,591.21 | |
| May, 2028 | 38 | $191.37 | $1,183.47 | $1,374.84 | $43,407.74 | |
| Jun, 2028 | 39 | $186.29 | $1,188.55 | $1,374.84 | $42,219.19 | |
| Jul, 2028 | 40 | $181.19 | $1,193.65 | $1,374.84 | $41,025.54 | |
| Aug, 2028 | 41 | $176.07 | $1,198.77 | $1,374.84 | $39,826.77 | |
| Sep, 2028 | 42 | $170.92 | $1,203.92 | $1,374.84 | $38,622.85 | |
| Oct, 2028 | 43 | $165.76 | $1,209.08 | $1,374.84 | $37,413.77 | |
| Nov, 2028 | 44 | $160.57 | $1,214.27 | $1,374.84 | $36,199.49 | |
| Dec, 2028 | 45 | $155.36 | $1,219.49 | $1,374.84 | $34,980.01 | |
| Jan, 2029 | 46 | $150.12 | $1,224.72 | $1,374.84 | $33,755.29 | |
| Feb, 2029 | 47 | $144.87 | $1,229.97 | $1,374.84 | $32,525.31 | |
| Mar, 2029 | 48 | $139.59 | $1,235.25 | $1,374.84 | $31,290.06 | |
| Apr, 2029 | 49 | $134.29 | $1,240.55 | $1,374.84 | $30,049.50 | |
| May, 2029 | 50 | $128.96 | $1,245.88 | $1,374.84 | $28,803.63 | |
| Jun, 2029 | 51 | $123.62 | $1,251.23 | $1,374.84 | $27,552.40 | |
| Jul, 2029 | 52 | $118.25 | $1,256.60 | $1,374.84 | $26,295.80 | |
| Aug, 2029 | 53 | $112.85 | $1,261.99 | $1,374.84 | $25,033.82 | |
| Sep, 2029 | 54 | $107.44 | $1,267.40 | $1,374.84 | $23,766.41 | |
| Oct, 2029 | 55 | $102.00 | $1,272.84 | $1,374.84 | $22,493.57 | |
| Nov, 2029 | 56 | $96.53 | $1,278.31 | $1,374.84 | $21,215.26 | |
| Dec, 2029 | 57 | $91.05 | $1,283.79 | $1,374.84 | $19,931.47 | |
| Jan, 2030 | 58 | $85.54 | $1,289.30 | $1,374.84 | $18,642.17 | |
| Feb, 2030 | 59 | $80.01 | $1,294.84 | $1,374.84 | $17,347.33 | |
| Mar, 2030 | 60 | $74.45 | $1,300.39 | $1,374.84 | $16,046.94 | |
| Apr, 2030 | 61 | $68.87 | $1,305.97 | $1,374.84 | $14,740.97 | |
| May, 2030 | 62 | $63.26 | $1,311.58 | $1,374.84 | $13,429.39 | |
| Jun, 2030 | 63 | $57.63 | $1,317.21 | $1,374.84 | $12,112.18 | |
| Jul, 2030 | 64 | $51.98 | $1,322.86 | $1,374.84 | $10,789.32 | |
| Aug, 2030 | 65 | $46.30 | $1,328.54 | $1,374.84 | $9,460.78 | |
| Sep, 2030 | 66 | $40.60 | $1,334.24 | $1,374.84 | $8,126.54 | |
| Oct, 2030 | 67 | $34.88 | $1,339.96 | $1,374.84 | $6,786.58 | |
| Nov, 2030 | 68 | $29.13 | $1,345.72 | $1,374.84 | $5,440.86 | |
| Dec, 2030 | 69 | $23.35 | $1,351.49 | $1,374.84 | $4,089.37 | |
| Jan, 2031 | 70 | $17.55 | $1,357.29 | $1,374.84 | $2,732.08 | |
| Feb, 2031 | 71 | $11.73 | $1,363.12 | $1,374.84 | $1,368.97 | |
| Mar, 2031 | 72 | $5.88 | $1,368.97 | $1,374.84 | $0.00 | |
Original vs. Refinance |
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| Original | Student Loan Refinance | |||||
| Monthly Payment | $750.00 | $1,374.84 | ||||
| Total Interest | $36,783.90 | $13,988.58 | ||||
| Total Principal | $85,000.00 | $85,000.00 | ||||
| Total Payment | $121,783.90 | $98,988.58 | ||||
| Total Interest Savings | $0 | $22,795.33 | ||||
| Payoff Date | Oct, 2038 | Mar, 2031 | ||||
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