Tools that make student loans make sense

Every feature in MyStudent.Loans is designed around one idea: you should understand exactly what you're borrowing, what it will cost, and what your options are — before you sign a single document.

College Research

College Cost Calculator

Search over 6,000 schools from the complete College Scorecard database. Get personalized cost estimates based on your family income, residency status, and expected aid — pulling in real data for tuition, housing, meals, books, and personal expenses.

In-state vs out-of-state tuition comparison
Dormitory, off-campus, and commuter cost breakdowns
Automatic Pell Grant estimation based on SAI methodology
Adjustable borrowing percentage for partial family contribution
Offline school database for researching without internet
Example Output
Undergraduate Tuition & Fees$12,400
Room & Board$14,200
Books & Supplies$1,100
Personal & Transport$3,300
Total Annual Cost$31,000
Loan Analysis

Loan Scenario Modeling

Model every type of student loan — federal subsidized and unsubsidized, private, and PLUS — with independent interest rates and automatic origination fee calculations. See how different combinations affect your monthly payment and total cost over the life of the loan.

Weighted average interest rate across all loan types
Federal origination fee (1.057%) and PLUS fee (4.228%) calculations
Adjustable repayment terms from 5 to 25 years
In-school interest accrual with daily simple interest method
Grace period modeling with continued interest accrual
Interest-only payment scenarios to prevent capitalization
Loan Composition
Federal Subsidized$23,0006.53%
Federal Unsubsidized$8,0006.53%
Private Loans$15,0008.50%
Federal PLUS$09.08%
Weighted Rate7.17%
Private Loans

Private Loan Modeling

When federal loans don't cover the full cost of attendance, private loans fill the gap. MyStudent.Loans lets you model private loans alongside your federal borrowing so you can see the complete picture — and understand how the higher interest rates and different terms affect your total cost.

Customizable private loan interest rates (fixed or variable)
Side-by-side comparison with federal loan costs
Private origination fee modeling
See how private loans impact your weighted average rate
Automatic overflow when federal limits are exceeded
Total cost comparison: federal-only vs federal + private scenarios
Federal vs Private Impact
Federal Only ($31,000 at 6.53%)
Monthly
$355
Total Interest
$11,620
Federal + Private ($46,000 at 7.17%)
Monthly
$537
Total Interest
$18,440
The private loan difference

Adding $15,000 in private loans at 8.50% increases your monthly payment by $182 and adds $6,820 in total interest. Understanding this tradeoff helps you decide whether to borrow less, seek alternative funding, or plan for higher payments.

Compliance

Federal Compliance & Reports

MyStudent.Loans automatically validates your loan amounts against Department of Education borrowing limits. If your planned borrowing exceeds annual or aggregate caps, you'll see exactly what's over and get a suggested compliant distribution.

Generate comprehensive PDF reports with infographics, amortization schedules, and financial impact analysis — ready to share with your family or financial advisor.

Visualization

Charts & Visualizations

See your loan data come alive with interactive charts. Track your balance growth during school and the grace period, understand how interest accrues month by month, and visualize your complete repayment journey with detailed amortization schedules.

Optional interest-only payment scenarios show you exactly how making small payments during school can prevent interest capitalization and save thousands over the life of your loan.

Ready to understand your loans?

Download MyStudent.Loans for free and start planning your education financing today.

Download for iOS — Free