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Student Loan Calculator — $100K Grad School Debt

Repayment options for $100,000 in graduate school loans at 8% interest.

Loan Balance ($)

Interest Rate (%) (%)

Loan Term (years)

Monthly Payment (Standard)

$1,217.51

Total Interest (Standard)

$46,100.87

Total Paid (Standard)

$146,100.87

Monthly Payment (Extended 25yr)

$777.12

Total Interest (Extended)

$133,136.99

Interest Difference

$87,036.12 more

Federal student loan interest rates 2025-26: 6.53% undergrad, 8.08% grad, 9.08% PLUS.

Federal student loan interest rates 2025-26: 6.53% undergrad, 8.08% grad, 9.08% PLUS.