Student Loan Repayment Comparison

Compare Standard 10-year repayment, Income-Based Repayment (IBR at 15% discretionary), and PAYE (10% discretionary) plans side-by-side to find the lowest monthly payment and total cost.

Standard

Monthly
10-year payoff

IBR (15%)

Monthly
25-yr forgiveness (taxable)

PAYE (10%)

Monthly
20-yr forgiveness (taxable)