Tools that make student loans make sense

Every feature is built around one idea: you should understand what you're borrowing, what it will cost, and what your options are — before you sign anything.

College Research

College Cost Calculator

Search over 6,000 schools from the College Scorecard database and get personalized cost estimates based on your family income, residency status, and expected aid — with real data for tuition, housing, meals, books, and more.

In-state vs out-of-state tuition comparison
Dormitory, off-campus, and commuter cost breakdowns
Automatic Pell Grant estimation using the Student Aid Index (SAI)
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 rates and automatic origination-fee calculations. See how each combination shapes your monthly payment and total cost.

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 keep interest from being added to your balance
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. Model them alongside your federal borrowing to see the complete picture — and how their higher 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.

Federal Limits

Federal Borrowing Limits & Reports

MyStudent.Loans compares your loan amounts to the Department of Education's published borrowing limits — if you're over, you'll see exactly where and a suggested way to redistribute so your totals line up. Then download a friendly PDF report with infographics, amortization schedules, and impact summaries — nice to share with family or an advisor as you think things through.

Visualization

Charts & Visualizations

See your loan data come alive with interactive charts — balance growth during school and the grace period, interest accrual month by month, and your full repayment journey. Optional interest-only scenarios show how small payments during school keep interest from being added to your balance and can save thousands over the life of the loan.

Ready to model your loans?

Start mapping out your education financing — and walk away with a clear PDF report of your plan.

Download for iOS