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PSLF Calculator — Public Service Loan Forgiveness

Estimate forgiveness under PAYE after 120 qualifying payments in public service.

Loan Balance ($)

Annual Income ($)

Family Size

Interest Rate (%) (%)

Repayment Plan

Monthly IDR Payment

$195.46

Total Paid Over 20 Years

$46,910.00

Amount Forgiven

$196,658.88

Est. Tax on Forgiveness

$43,264.95

Net Savings vs Standard

$0.00

IBR: 10% of discretionary income (≤2014 borrowers) or 10% (post-2014). Forgiveness after 20-25 years.

IBR: 10% of discretionary income (≤2014 borrowers) or 10% (post-2014). Forgiveness after 20-25 years.