Free Calculator
Student Loan Refi Break-Even Calculator
Refinancing federal loans into private permanently forfeits IDR, PSLF, and forbearance. Enter an estimate of that value to see the true net savings.
Current payment
$511/mo
Lifetime: $61316
Refi payment
$475/mo
Lifetime: $57012
Monthly cash-flow change
$36/mo
Net lifetime savings (after protection cost)
$4304