Student Loan Repayment Plan Comparison (2026)

Total Loan Balance

Average Interest Rate

Annual Gross Income (AGI)

Family Size

Filing Status

Expected Annual Raise

—

Standard Plan: Monthly Payment

Standard Plan: Total Paid —

IBR Plan: Initial Monthly Payment —

IBR Plan: Total Paid (with forgiveness) —

PAYE Plan: Initial Monthly Payment —

PAYE Plan: Total Paid (with forgiveness) —

Best Plan For You —