Which Student Loan Repayment Plan Saves You the Most?
Compare Standard, PAYE, IBR, and ICR repayment plans side by side. See total paid, monthly payment, and forgiveness timeline for your situation.
भारत में
Education loan interest: Section 80E के तहत पूरी तरह टैक्स फ्री (कोई upper limit नहीं!)। SBI education loan: 8.5-10.5%। ₹10 लाख, 10 साल: EMI ~₹12,400। Moratorium: कोर्स + 1 साल। Government schemes: Vidyalakshmi portal, Central Sector Scheme।
Tips
Section 80E में कोई upper limit नहीं — ₹5 लाख ब्याज भी पूरा deductible है। Repayment जल्दी शुरू करें — moratorium में भी interest बढ़ता है। IIT/IIM/AIIMS grads: placement salary से 2-3 साल में repay possible।
The difference in total cost between repayment plans can exceed $20,000 on a $45,000 loan. Running the numbers before choosing a plan is one of the highest-value financial calculations a borrower can make.
