Student Loan Amortization Schedule

Federal and private student loans amortize on a fixed schedule once repayment begins. This example uses $40,000 at 6.0% over ten years — a common grad-school balance on a standard plan.

Use controls below for your balance and rate. Income-driven plans and deferment are not modeled here; this is standard fixed amortization only.

Planning estimate. Your servicer's portal is authoritative for forgiveness programs and accrued interest during school.