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Sources and assumptions disclosed|No account required|Reviewed August 2026

Free financial calculators, sourced from official state tax authorities, that give you a clear answer in 60 seconds.

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Understanding Inheritance Tax in 2026
401(k) Rollover Guide 2026: Direct vs Indirect vs Roth
Should You Refinance Student Loans in 2026?
Quarterly Taxes for Gig Workers: Complete Guide 2026

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Student Loan Refinance Calculator

Student Loan Refinance Calculator

See how much refinancing could save you in monthly payment and total interest — and what you'd give up if any of your loans are federal.

About 1 minuteThis calculator last verified August 16, 2026

Federal-protections-lost warning verified against StudentAid.gov and CFPB guidance. Full methodology.

Your Student Loans

Fields below start filled with example values — edit them to match your own situation, or use "Reset to Example" to clear back to the example.

Current loan

Loan Type

Determines whether the federal-protections warning below applies.

Current Balance *

$

Current Interest Rate *

%

Current payment method

Calculate automaticallyFrom your balance, rate, and remaining termEnter my actual paymentIf you know exactly what you pay

Estimated current payment: $397.42/month

Calculated from your balance, rate, and remaining term.

Remaining Term (years) *

Refinance offer

New Interest Rate *

%

New Term (years) *

Advanced options

Origination Fee (rare for student loan refis)

$

Most private refinance lenders charge $0. Leave at $0 unless your lender specifically quotes a fee.

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Student Loan Refinance Calculator

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Should You Refinance Student Loans in 2026?