Use this federal student loan calculator to estimate your monthly student loan payments and see which repayment option is right for you.

Use this student loan calculator to estimate monthly student loan payments.

See a comprehensive list of every type of currently available federal student loan, from Direct Subsidized Loans to Parent PLUS loans.

Student loans are typically just one part of a college student's overall financial package that will often include other categories as well, such as grants, scholarships, merit-based awards, and more.

Some experts argue it's not a good idea to pay off federal student debt early if a borrower must sacrifice retirement or emergency savings in order to do so.

Find out ways to get lower rates on private loans, such as applying with a cosigner.

The federal government uses the FAFSA form to determine students' eligibility for aid.

Roughly 37% of first-time US home buyers have student debt

When those people have extra money, they might wonder: Is it better to pay down my mortgage or my student loans first? This article argues that the answer depends on each loan's interest rate, among other factors.

From wage garnishment to a credit score hit, a multitude of consequences can occur if a borrower doesn't repay their student loans.

Use this mortgage calculator to estimate how much you can borrow, factoring in fundamentals such as financial standing, property cost, loan length, and more.

Use this interactive calculator to see if you could rebalance the federal budget by adjusting taxes and spending.

Student debt has a widespread economic impact

Student debt is no different than the big rent or car payment that comes out of someone’s paycheck every month: Its presence affects that household’s purchasing power. Multiply that household by the 43 million Americans who had outstanding federal loan debt in September 2023, and student debt’s impact becomes considerable.

Use this college navigator tool to make informed decisions about college options

Balancing the benefits and costs of higher education on a school-by-school basis can be overwhelming. This database from the National Center for Education Statistics provides an easily searchable database with comprehensive information on costs, student aid, outcomes for alumni, retention rates, and much more.

More than half of student loan borrowers owed less than $25K in federally managed student debt as of 2024.

The federal government offers billions in student aid each year in the form of scholarships, grants, loans, and more

The very first—and necessary—step is to fill out a federal application to get your information into the system. Known as the Free Application for Federal Student Aid, or FAFSA, this key form must be completed by Oct. 1 for the following academic year.

See how student loan debt varies by state, with Washington, DC, having the highest average federal student loan debt in the country at $54,795 per borrower, and North Dakota boasting the nation's lowest average at $29,647 per borrower.

Do student loans affect your credit score?

While student loans can impact your credit score, that's not necessarily a bad thing. Repaying the loan on time can strengthen your credit score, whereas paying late can hurt it. To find out more about how student loans can impact your credit score, read this article.

Use a CD rate calculator

This CD Rate Calculator allows you to determine your interest earnings and total savings balance at CD maturity. Enter your initial deposit, your interest rate, and your term length in months or years. Click here to use it.

Some borrowers end up with higher student loan balances than they started with, even after years of paying, due to 'negative amortization.'

Calculate: Do you need to file for bankruptcy?

About 77% of American households had some debt at the end of 2023. However, when debt becomes crushing, it's time to consider a management plan or a bankruptcy filing. This calculator helps explore whether debt is manageable based on inputs like medical debt, payday loans, and gross annual income.

Estimate your Social Security benefits

To calculate your Social Security benefit, the government uses information such as your birthday, current earnings, future retirement date, and more. Calculate an estimation for your future Social Security monthly benefit here.

Use this annuity income calculator to estimate how much money someone can expect in their annuity payouts, depending on factors such as how much they invest and how long they expect to be paid.

Just 7% of student loan borrowers account for 40% of outstanding student loan debt

Most student loan debt went to support graduate studies. Total student loan debt in the US is more than $1.6T. Downloadable tables show the raw data behind federal student aid.

Explore a college affordability and transparency guide

From the US Department of Education, this portal provides everything you need to evaluate colleges. The college scorecard provides handy data on every school, from graduation rates to annual average earnings out of school, while the net cost calculator directs you to each school's calculator that allows you to estimate the cost of college based on your unique circumstances.

More than 3 million student loan borrowers were in default at the end of 2021

More than 3 million student loan borrowers were in default at the end of 2021. While default rates have declined since pandemic-era payment pauses, failing to pay off student debt can still have serious consequences, from a low credit score to the government withholding wages.

Use this calculator to find out the programs and services your federal income taxes fund.

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Calculate the financial outlook for your retirement

This simple calculator takes your age, income, planned contributions, and expected retirement needs into account to give you a portrait of how your financial condition will look when it comes time to start withdrawals.

A ‘rent vs. buy’ financial calculator

The New York Times built a continuously updated financial calculator to help potential homebuyers figure out which makes more sense given their individual situation: buying or renting a home. It takes into account how long someone plans to own the home for, mortgage rates, and more.

Use this tool to calculate the dollar value of your parental mental load, from meal planning to coordinating after-school care, then see resources that help generate solutions.

Figure out what type of mutual fund is right for you with a tool that lets you compare different mutual funds, from rates to returns.

Student loan debt isn’t evenly distributed across age groups

Millennials and Gen X borrowers account for more than 70% of outstanding federal student debt ($1.1T). The discrepancy is driven by several factors, including a drop in college enrollment by younger Americans and older cohorts having more years to pay off balances.

Student loans weren't always so prevalent—decades of rising tuition and the 1965 Higher Education Act contributed to their proliferation.

Run your numbers in this marriage tax calculator

When it comes to federal income taxes, not every couple benefits from getting married. This calculator lets you see how much two specific people might pay if they were to get married based on their individual income levels and more. Specifically, the calculator compares the taxes a married couple would pay if they filed a joint return with what they would pay if they were unmarried and each filed as single.

Buy now, pay later loans typically split payments into 4 installments

While they're marketed as "interest-free" loans, BNPL loans often have penalties for late payments, such as late fees in varying amounts depending on the BNPL company used to make the purchase. BNPL users often pay 25% of the BNPL loan at checkout, and then pay the remaining balance in three more installments over the course of roughly six weeks, depending on the BNPL company and agreement.

Roughly 43 million Americans hold a cumulative $1.6T in federal student debt

About 43 million Americans hold a cumulative $1.6T in federal student debt. That's more than the country's combined credit card balance, according to data from in the first quarter of the year 2024.

The Federal Reserve's decisions can impact your money

Car loans, mortgages, business investments—these and more can be drastically impacted by the adjustment of the Federal Reserve’s federal funds rate. Alternatively, savers can earn higher, low-risk yields on their savings when the Fed’s target rate is higher.

529 plans can affect college financial aid

Income affects FAFSA financial aid determinations. FAFSA also takes 529 college savings plans into account. The percentage of savings it uses in its calculations depends on who owns the account (parent, student, or someone else). Other schools use a program called CSS to determine financial aid, and those determinations vary.

Should you pay off debt or invest?

Some experts say you should put aside 20% of each paycheck and use that money for future goals, such as saving, investing, and paying off debt. But which should you prioritize first? It all depends on where you are in your financial journey. This article outlines the steps you should take depending on what your finances look like right now. Read it here.

Explore current CD interest rates

Data itself is not (exactly) a financial advisor, but it can help you decide between a variable or fixed rate CD, or CDs with different term lengths. A chart from the Federal Reserve shows the three-month trend of CD interest rates.

Student loan forgiveness is a contentious topic

President Joe Biden's plan to forgive up to $20K of student debt per borrower was ultimately struck down by the Supreme Court. But at the center of the debate about his proposal sat one core question that persists today: Is student loan forgiveness fair?

A life insurance cost calculator

The overall cost of life insurance coverage ranges widely. Factors like your term length, death benefit (the money paid out after death), health and lifestyle, and any added benefits can drastically change your monthly cost. This calculator can help you determine how much your desired coverage could run you per month.

College majors ranked by median resulting student debt

As of 2023, student loans were the third-largest category of US household debt at $1.6T. But not all student debt is created equal. Statistically, some majors incur more debt than others. Behavioral science majors, for instance, had the highest median student debt as of 2022.

Why consumers could soon see the impact of buy now, pay later loans on their FICO credit scores

FICO rolled out its first-ever BNPL-specific credit scoring models in June 2025. While missed installments can now negatively impact a credit score, there's also the potential for on-time BNPL installment payments to help boost scores.

See a chart showing how much the US federal government pays in interest on its debt.

The first federal student loan program began in 1958

As the Cold War heated up, federal officials recognized the need to provide financial aid to students pursuing degrees in areas critical to national security, like science, math, and engineering. These programs evolved to broadly support the general population, both increasing access to college while acting as a driver of increased costs. This six-part series takes a deep dive into the history of federal student aid.

See how many days of work it takes to afford a monthly mortgage in each US state, with the US average being 14 days.

Total student debt has ballooned to $1.7T, up almost 150% since the Great Recession

While the burden falls across roughly 43 million Americans, the debt load itself is not uniform—millennials and those pursuing graduate or professional degrees represent an outsized portion of loans.

How to balance paying down debt vs. investing

When someone has extra money in their pocket, they're quickly faced with a decision: Is it a better idea to use that money to pay down debt, or invest it? While the answer depends on each individual's financial situation, this video explains which solution works best depending on the circumstances. Watch it here.

'Floating rate' loans periodically adjust their interest rates in accordance with economic conditions

When the Federal Reserve began raising interest rates in 2022 to combat inflation, interest payments borrowers owed to private credit lenders increased accordingly. Private credit funds benefited as loan returns increased, making the asset class attractive to investors at the time.

College sticker prices can be misleading, as most students don't actually pay the advertised price due to financial aid.

College sticker prices can be misleading, as most students don't actually pay the advertised price due to financial aid.