Education loan repayment scenario
Model a conventional fixed-payment education loan, with explicit national-scheme exclusions.
Your scenario
Method and exclusions
This models an already disbursed fixed-rate repayment loan using monthly amortization. It does not model in-school interest, deferment, income-driven repayments, forgiveness, subsidies, write-offs or UK Student Loans Company plans. Country selection changes currency, not entitlement. Use the linked official systems for national-program estimates.
Supporting guidance: US Federal Student Aid repayment calculator (new tab). Guidance checked 28 October 2026; the arithmetic model remains our stated approximation.
For UK national student loans, use GOV.UK repayment guidance. This tool does not model that repayment system.
How to use the result
Run a baseline, then change one assumption at a time. Compare the total cost or balance as well as the monthly amount. Keep excluded taxes, fees and product features on a separate checklist. Confirm decisions against actual provider documents.