The Extended Repayment Calculator (USA) helps you estimate your monthly student loan payments by stretching your repayment term up to 25 years. This option lowers your monthly commitment compared to the Standard or Graduated repayment plans. Simply enter your loan amount, interest rate, and loan term to view your personalized payment schedule and total interest cost.

Extended repayment plans allow federal student loan borrowers to reduce monthly payments by extending the repayment period beyond the typical 10-year term. Under this plan, borrowers can choose fixed or graduated payments over 12 to 25 years, depending on eligibility. Although monthly payments become much more affordable, total interest costs increase over the life of the loan.
This calculator provides a complete amortization schedule, showing month-wise principal, interest, and outstanding balance to help you make an informed financial decision.