Free Student Loan Repayment Analysis
Compare every federal repayment plan side-by-side and find the option that saves you the most. Powered by the same tools our loan specialists use every day.
Accurate Analysis
Results powered by the same calculation engine used by federal loan servicers.
Save Money
See exactly how much you could save with income-driven and forgiveness programs.
Personalized Results
Recommendations based on your specific financial situation and loan details.
Fast & Easy
Get your full plan comparison in under 2 minutes — no documents required.
How It Works
Enter Your Info
Provide your loan balance, income, and a few financial details.
Get Your Comparison
See every federal repayment plan side-by-side with your recommended option.
See Your Savings
Find out how much you could save and which programs you qualify for.
Free. No obligation. Takes less than 2 minutes.
Want the Most Accurate Results?
For precise calculations, have your official student loan data file (MSD) from StudentAid.gov ready. Download the Hope Hero app to upload your MSD file and get detailed, loan-by-loan analysis.
How To Retrieve Your MSD Data File
Step-by-Step Instructions
There are many different reasons you may need to download your federal student loan data text file. Although the process may be a little different on all devices, this walk through should help all users effectively retrieve their federal student loan file from the FAFSA website.
Macs and PC's
Go to www.studentaid.gov
Login with your username, phone # or email address and password
You will be required to verify your email address and phone number
Once you get logged in you will be at your dashboard, it should look like this:
Across from My Aid Click View Details all the way over to the right.
Click Continue— then Save As: Mystudentdata.txt——then click Save
*Hint: Take note of where the text file downloads on your device for easy access when needed.
Getting your loans downloaded on phone can be tricky sometimes, depending on the device. Here are a few tips to make sure your loans are downloaded in no time.
iPhone and Android phones
Open your Google or Safari browser go to www.studentaid.gov
Go through the same login process as before until you see the dashboard.
On the dashboard look to the far right and middle of your screen (you may want to turn your phone sideways), there you see View Details.
Click View Details —— then Download My Aid Data
Troubleshooting Tips
- Try using a different browser (Chrome, Safari, Firefox) if the download button doesn't respond
- Close the "Owl assistant" popup if it appears — it can block the download button
- Note: three failed login attempts will lock your account for 30 minutes
What's in Your Data File?
The downloaded file reveals your complete loan history, including loan status, loan type, school information, servicer details, and months earned towards forgiveness. This information powers the calculator's detailed loan-by-loan analysis.