The Graduated Repayment Calculator (USA) helps you estimate student loan payments under the federal graduated repayment plan. This plan starts with lower payments that increase every two years, making it easier for early-career borrowers. Enter your loan balance, interest rate, and repayment term to see how your payments grow over time and how much you’ll pay in total.

The federal Graduated Repayment Plan is designed for borrowers who expect their income to increase over time. It starts with relatively low monthly payments that gradually rise every two years. This makes early repayment years more manageable, especially for new graduates entering the workforce.

Our Graduated Repayment Calculator (USA) gives you a clear breakdown of how these payments evolve throughout the full repayment term. By entering your loan details, you’ll see the starting monthly payment, subsequent increases, total interest costs, and the final amount paid over the life of the loan.

This tool is ideal for federal student loan borrowers deciding whether the graduated plan fits their financial trajectory. While the plan provides early relief, it often results in more interest paid overall compared to level payment plans. Use this calculator to compare, plan ahead, and make confident repayment decisions.