Student Finance & Debt

Student Loan Refinancing Break-Even

Weigh interest savings from private refinancing against PSLF eligibility, IDR protections, and origination fees. Get a clear go/no-go verdict.

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Current Federal Loan

Private Refi Offer

PSLF & IDR Status

Payments toward 120 required. Each has value of ~$100–$500 in eventual forgiveness.
Enter $0 if on standard plan.
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Cost Comparison

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Federal Total Cost
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Private Refi Total Cost
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Lifetime Interest Savings
Before PSLF value adjustment
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Break-Even
Months to recover origination fee
ItemFederal (stay)Private RefiDifference

Export Results

Inbound: PSLF Counter (AL-120) · Downstream: Loan Repayment (AL-26) · RAP Decision (AL-108)