This Graduate Repayment Calculator computes an estimate of the size of your monthly loan payments using the graduated repayment plan. This repayment plan starts the payments at a low level (usually interest only) and gradually increases the payments until the balance is paid.

This calculator assumes that the interest rate remains constant throughout the life of the loan. Many educational loan programs, including the Stafford and PLUS loans, have variable interest rates. We suggest you use the current maximum rates (8.25% for Stafford and 9% for PLUS) to get a ceiling on the interest payments.

The discount rate is used to calculate the net present value (NPV) of the loan payments (i.e., the value in "constant dollars").

Loan Balance:
Interest Rate:
NPV Discount Rate:
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