Student loan payoff calculator
See your scheduled payment, then test extra monthly amounts to cut interest and finish sooner.
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How extra student loan payments work
Student loans on a fixed standard plan amortize like other installment loans: each month covers interest first, then principal. Anything above the scheduled payment goes straight to principal, which shortens the remaining schedule and removes future interest. This tool compares the original term against the same loan with your extra amount. It does not model income-driven repayment, forbearance, capitalization events, or forgiveness programs.
Free up cash for principal: unused subscriptions often eat money that could go toward this loan. StopScribe helps you find and cancel ones you do not need.