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Student Loan Term Comparison Calculator

Our Student Loan Term Comparison Calculator allows you to calculate and compare multiple student loan options with varying interest rates and terms. By comparing student loans, you can identify the total costs associated with each type of student loan.

5 year10 year15 year20 year25 year
Loan balance$35,000$35,000$35,000$35,000$35,000
Interest rate3.5%5.5%6%6.5%7%
Monthly payment$637/mo$380/mo$295/mo$261/mo$247/mo
Total interest$3,203$10,581$18,163$27,628$39,212
Total payment$38,203$45,581$53,163$62,628$74,212
Your monthly payment on a $35,000 loan ranges from $247/mo to $637/mo depending on the loan term you choose.

Student loan refinancing rates as low as 2.56% APR. Check your rate in 2 minutes.

Total payment

Total interest

Monthly payment

5 year


April 2022

10 year


April 2027

15 year


April 2032

20 year


April 2037

25 year


April 2042


Student Loan Comparison Calculator FAQs

1. How do I find student loan refinancing rates and terms?

See our refinancing lending partners here for available rates and terms. Most of the lenders we’ve partnered with can check eligibility and provide a rate with just a “soft” credit pull in about two minutes.

If you’re currently a student and looking for private student loans, see options from our partners here.

2. How do I decide what loan term length is right for me?

Please see our post on selecting a loan with the right term length.

Interested in refinancing student loans?

Here are the top 6 lenders of 2017!
LenderRates (APR)Eligible Degrees 
Check out the testimonials and our in-depth reviews!
2.56% - 6.74%Undergrad & GraduateVisit SoFi
3.64% - 7.20%Undergrad & GraduateVisit DRB
2.56% - 6.74%Undergrad & GraduateVisit CommonBond
2.43% - 7.26%Undergrad & GraduateVisit LendKey
2.59% - 8.38%Undergrad & GraduateVisit Citizens
3.00% - 7.35%Undergrad & GraduateVisit CollegeAve
Advertiser Disclosure

Student Loan Hero Advertiser Disclosure

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print, understand what you are buying, and consult a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time. Please do your homework and let us know if you have any questions or concerns.