Student loans cost far more than the interest rate alone.
Enter your loan details. See total interest, payoff timeline, and the wealth cost of delayed investing.
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True Total Cost of Your Student Loan
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What This Really Means
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Full Breakdown
Loan summary
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Payoff timeline
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Total interest
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Interest paid
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Wealth comparison
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Wealth lost to delay
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True total cost
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Cost multiplier
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Common Questions
Should I invest or pay off student loans?
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If your loan rate is below 5%, invest first (expected market return exceeds loan cost). Above 6%, prioritise the loan. Between 5-6%, do both simultaneously.
What about income-driven repayment?
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IDR plans lower monthly payments but extend the loan and increase total interest dramatically. This tool models standard repayment — IDR can change the numbers significantly.
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Disclaimer: For educational purposes only. Not financial advice. Projections use historical averages and are not guaranteed. Individual results will vary. Consult a qualified financial advisor before making financial decisions.