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PSLF Payment Tracker

FREE

Track your progress toward Public Service Loan Forgiveness and estimate your forgiveness date and amount

Debt Management

Inputs

Enter your information

Loan Information

Total federal student loan balance eligible for PSLF

Weighted average interest rate on your loans

Your current IDR or standard plan payment amount

PSLF Progress

Number of certified qualifying payments toward PSLF (0-120)

Government or 501(c)(3) nonprofit organization

Household Information

Your current gross annual income (used for payment plan context)

Number of people in your household (for payment plan calculations)

Results

Fill in the inputs to see your results

Enter your data to calculate

How This Calculator Works

  • 1Enter your current loan balance and interest rate from your loan servicer
  • 2Input the number of qualifying payments you've already made toward PSLF
  • 3Confirm your employer qualifies as a public service employer (government, 501(c)(3) nonprofit)
  • 4See your progress, projected forgiveness date, and tax-free forgiveness amount
  • 5Track milestones to stay motivated through your 10-year journey

⚡Unlock Pro Features

  • ✓AI-powered PSLF strategy optimization
  • ✓Employer Certification Form (ECF) reminders and tracking
  • ✓Alternative repayment plan comparison (SAVE, IBR, PAYE)
  • ✓What-if scenarios: job changes, income changes, family size changes
  • ✓Integration with loan servicer data (FedLoan, MOHELA, Aidvantage)
  • ✓Recertification calendar with automatic alerts
  • ✓PDF progress reports for your records
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