Not financial, tax, or legal advice. The calculator produces projections from the inputs you provide against the assumptions documented on our Methodology page. Use it as a planning tool, not a verdict. For a six-figure decision like PSLF vs refinance, talk to a CFP or CPA.
Sources. Salary presets sourced from Marit Health (marithealth.com), 2026. Debt averages from AAMC annual graduation surveys. PSLF and IDR rules from studentaid.gov. Tax assumptions reflect current IRS guidance.
Independently built. Not affiliated with AAMC or the U.S. Department of Education.
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