Student Loan Payoff Timeline

Stop guessing when you will be debt-free. Calculate your exact payoff date and see how much interest you are paying.

The total remaining principal on your student loans.

$

Your annual interest rate (e.g. 6.39% for 2025-26 undergrad loans).

%

What you currently pay. Must be higher than the interest charge to see a payoff date.

$

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Coach’s Tips

Financial wisdom

  • Use gross income (before taxes) for pension estimates.
  • Teachers are paid 12 months, but work 10. Plan accordingly.
  • Your 403(b) fees can eat 40% of returns. Check them yearly.