Disclaimer

GradClear provides general information and arithmetic estimates only. It is not Federal Student Aid, a loan servicer, a lender, a school or a credit counselor, and it does not provide official Income-Driven Repayment (IDR) quotes, forgiveness eligibility decisions, consolidation approvals or legal/tax advice. The SAVE plan has been closed to new enrollments; repayment programs and RAP rules change. Always use studentaid.gov tools and your servicer for official figures before you refinance, consolidate or change plans.

GradClear is an independent publisher and is not affiliated with, endorsed by or sponsored by any carrier, retailer, government agency or brand mentioned. Names such as Federal Student Aid, FAFSA, studentaid.gov, CFPB, Credible, LendingTree and Bankrate are used only to identify the programs and institutions they refer to.

Nothing here is lending, credit, tax or legal advice, and nothing here is an official Federal Student Aid calculation. Always check studentaid.gov and talk to a licensed adviser about your own situation.