Use this calculator to estimate your federal student loan payment amounts under the Income-Contingent Repayment Plan.

Income-Contingent Repayment is available for all Direct Loans except for Direct PLUS Loans made to parent borrowers.

Income-Contingent Repayment Calculator

Enter the required information below to calculate your estimated payment and repayment summary details for your loan. Be careful to enter the correct information for all your loans. For example, if you have a Direct Subsidized Loan with an interest rate of 3.4% and a Direct Unsubsidized Loan with an interest rate of 6.8%, you must do a separate calculation for each loan.  

The National Student Loan Data System (NSLDS®) provides information such as the type(s) of loans you have taken out, outstanding principal and interest, the total amount of all your loans, and who your loan servicer is. You will need your Federal Student Aid PIN to sign in to NSLDS. 

NSLDS has information about only your federal student loans—private loans are not included.