Student Loan Payoff Plan
Multiple student loan servicers mean multiple minimums and rates. Avalanche puts extra payments toward the 8.25% private loan first in this example while federal loans at lower rates wait their turn. When one loan clears, its payment rolls to the next target.
Enter your servicer balances in the controls below. Optional start month adds dates to each row. Download a printable plan for your records.
Does not model income-driven repayment, forgiveness, or deferment. Planning estimate only.
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Avalanche (highest rate first)
Payoff: 81 months
Total interest: $7,964.62
First debt cleared: month 58
Snowball (smallest balance first)
Payoff: 82 months
Total interest: $9,126.76
First debt cleared: month 40
Avalanche: 81 months · $7,964.62 interest
Snowball: 82 months · $9,126.76 interest
Avalanche saves $1,162.14 in interest compared to snowball.
Snowball clears your first debt 18 months sooner.
Paying only minimums costs $4,638.32 more in interest than avalanche.
Avalanche clear order
- 1. Private loan — month 58
- 2. Federal loan A — month 75
- 3. Federal loan B — month 81
| Month | Debt | Payment | Interest | Principal | Balance |
|---|---|---|---|---|---|
| 1 | Federal loan A | $1,680.00 | $662.08 | $1,017.92 | $11,482.08 |
| 1 | Federal loan B | $1,140.00 | $392.23 | $747.77 | $7,452.23 |
| 1 | Private loan | $3,780.00 | $1,139.14 | $2,640.86 | $12,359.14 |
| 2 | Federal loan A | $1,680.00 | $604.69 | $1,075.31 | $10,406.77 |
| 2 | Federal loan B | $1,140.00 | $354.07 | $785.93 | $6,666.30 |
| 2 | Private loan | $3,780.00 | $912.84 | $2,867.16 | $9,491.98 |
| 3 | Federal loan A | $1,680.00 | $544.02 | $1,135.98 | $9,270.79 |
| 3 | Federal loan B | $1,140.00 | $313.92 | $826.08 | $5,840.22 |
| 3 | Private loan | $3,780.00 | $667.14 | $3,112.86 | $6,379.12 |
| 4 | Federal loan A | $1,680.00 | $479.94 | $1,200.06 | $8,070.73 |
| 4 | Federal loan B | $1,140.00 | $271.74 | $868.26 | $4,971.96 |
| 4 | Private loan | $3,780.00 | $400.40 | $3,379.60 | $2,999.52 |
| 5 | Federal loan A | $2,310.00 | $410.80 | $1,899.20 | $6,171.53 |
| 5 | Federal loan B | $1,140.00 | $227.43 | $912.57 | $4,059.39 |
| 5 | Private loan | $3,112.98 | $113.46 | $2,999.52 | $0.00 |
| 6 | Federal loan A | $5,460.00 | $208.38 | $5,251.62 | $919.91 |
| 6 | Federal loan B | $1,140.00 | $180.82 | $959.18 | $3,100.21 |
| 7 | Federal loan A | $926.35 | $6.44 | $919.91 | $0.00 |
| 7 | Federal loan B ✓ | $3,175.29 | $75.08 | $3,100.21 | $0.00 |
The Handy Pages · thehandypages.com
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