Crush Your Student Debt, Faster
Free calculators and guides that show you exactly when you will be debt-free, what you keep after taxes, and how to file your return. No sign-up required.
Student Loan Calculators
Four powerful tools to help you understand your student loans from every angle and build a smarter payoff plan.
Student Loan Payoff Calculator
See exactly how long it will take to pay off your student loans and how much interest you will pay over the life of the loan.
Calculate payoff →Student Loan Refinance Calculator
Compare your current loan terms against a refinance offer to see your monthly savings and total interest saved.
Compare refinance →Student Loan Interest Calculator
Find out how much interest accrues on your student loans while in school, during grace periods, or over any timeframe.
Calculate interest →Extra Payment Calculator
Discover how much time and money you save by paying extra each month — even $50 more can cut years off your loan.
See extra payment impact →US Tax Calculators
Estimate your 2026 federal taxes — take-home pay, self-employment tax, your bracket, and the student loan interest deduction.
Student Loan Interest Deduction
See how much of your student loan interest (up to $2,500) you can deduct, and how much it saves you in taxes.
Calculate my deduction →Take-Home Pay Calculator
Estimate your net paycheck after federal income tax, Social Security, Medicare, and pre-tax deductions.
Calculate take-home pay →Self-Employment Tax Calculator
Calculate the 15.3% self-employment tax on freelance, gig, and 1099 income — plus the deductible half.
Calculate SE tax →Federal Tax Bracket Calculator
Find your 2026 marginal rate, effective rate, and a full bracket-by-bracket breakdown of your federal tax.
Find my bracket →Tax Filing Help
Not sure how to file, which forms you need, or when your refund arrives? These guides walk you through the whole process.
How to File Your Taxes
A seven-step walkthrough — who must file, key deadlines, Form 1040, and every free filing option.
Read the guide →Which Tax Forms Do I Need?
Check off what happened in your year and get a personalized list of the forms and documents you need.
Build my checklist →How to Read Your 1098-E
The student loan interest statement, explained — which box matters and how to turn it into a deduction.
Read the guide →Tax Refund Guide
How refunds work, how long they take, how to track yours, and how to stop over-withholding.
Read the guide →Why Borrowers Trust ScholarPay
We built these tools because student loans and taxes are confusing enough. Here is what makes ours different.
Bank-Grade Math
Every calculation uses standard amortization and IRS formulas — the same ones your servicer and the tax code use. No estimates, no guesswork.
Private by Design
All math runs in your browser. Your loan and income numbers never leave your device. No accounts, no tracking your financial data.
Works Everywhere
Mobile-first design that loads instantly. Check your numbers from your phone, tablet, or laptop — no app needed.
Plain English
We explain every result and every step in clear, jargon-free language. You will understand your finances — not just see numbers.
Student Loan Guides
Practical, jargon-free articles to help you understand interest and pay off your loans faster.
Why Student Loan Debt Is So High
Net tuition is about $2,300 a year. So why is the debt $1.86 trillion? The answer is not tuition.
Fed Rate Hikes and Student Loans
The 10-year Treasury sets your rate, not the Fed. Where the caps sit and who is actually exposed.
Student Loans and Divorce
The decree binds the spouses, not the lender. How federal, private and joint loans work when you divorce.
Tax & Filing Articles
Plain-English explainers on deductions, brackets, self-employment tax, and paycheck withholding, written to pair with our tax calculators.
State Tax and Loan Interest
The federal deduction is up to $2,500, but state treatment varies. How to check yours.
Is Forgiven Student Debt Taxable?
The exclusion expired on December 31, 2025. Which forgiveness is still tax free, and how big is the bill?
Child Tax Credit 2026
$2,200 per child, up to $1,700 refundable. How the phase-out and the earned income floor really work.
Ready to See Your Debt-Free Date?
Start with our most popular tool — the Student Loan Payoff Calculator. It takes 30 seconds and could save you thousands.
Calculate My Payoff Now