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.