Understand your student loans before you borrow
Research colleges, model loan scenarios, and get a clear picture of what you'll pay — so you can make confident decisions about your education financing.
Student loans are the second-largest source of debt in America
Over 43 million borrowers owe more than $1.7 trillion in student loans. Yet most students sign their first loan documents without truly understanding what they're committing to. We built MyStudent.Loans to change that.
Everything you need to plan ahead
Powerful tools designed to make student loan education accessible and actionable.
College Cost Calculator
Get personalized loan estimates based on real costs from the College Scorecard database. Search 6,000+ schools and see in-state vs out-of-state tuition, room and board, and total cost of attendance.
Loan Scenario Modeling
Model federal subsidized, unsubsidized, PLUS, and private loan combinations with independent rates and terms. See how each loan type affects your monthly payment and total cost.
Private Loan Comparison
When federal loans don't cover the full cost, private loans fill the gap — but at higher rates. Compare the true cost of adding private borrowing and see how it changes your total repayment.
Pell Grant Estimator
Estimate your Student Aid Index and Pell Grant eligibility based on federal methodology. Factor free aid into your loan planning before committing to borrow.
Federal Limit Compliance
Automatic validation against Department of Education borrowing limits. Know immediately if your planned borrowing exceeds federal caps.
Visual Payment Schedules
See your full amortization schedule with interactive charts showing principal vs interest over time, balance growth during school, and interest accrual by period.
School Risk Assessment
Evaluate schools using official default rate data. Understand which institutions have higher rates of student loan default to make better-informed school choices.
Three steps to clarity
Go from confused to confident in minutes, not hours.
Search your school
Look up any college or university from the complete US database. We'll pull in real cost-of-attendance data including tuition, housing, and fees based on your residency status.
Model your loans
Adjust loan types, amounts, and interest rates. See your monthly payment, total interest, and complete amortization schedule. Factor in Pell Grants and expected scholarships.
Plan with confidence
Download PDF reports, compare scenarios, and share with your family. Understand the true cost of borrowing before you sign anything — and explore ways to reduce what you owe.
Built on accuracy you can trust
Our calculations use the federal daily simple interest methodology and follow Department of Education standards. We integrate real cost data from the College Scorecard and validate against official federal loan limits — so the numbers you see are the numbers that matter.
Based on $23,000 subsidized + $8,000 unsubsidized at 6.53% and $15,000 private at 8.50%, all over 10 years. Actual amounts vary by school and financial circumstances.
Know before you borrow
Model your scenarios, compare schools, and walk away with a clear PDF report of your plan — ready to share with your family or advisor.
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