About ScholarPay
We build free, accurate student loan calculators that give borrowers the clarity they need to make smart financial decisions.
Our Mission
Student loans are one of the largest financial burdens facing millions of people. Yet the tools available to understand them are often confusing, ad-cluttered, or hidden behind sign-up walls. ScholarPay was created to change that.
We believe every borrower deserves clear, honest, and accurate information about their debt — without having to create an account, hand over personal data, or wade through sales pitches. Our calculators run entirely in your browser, use the same amortization math as your loan servicer, and are free to use as many times as you need.
What We Do
ScholarPay provides four core student loan calculators, each designed to answer a specific question borrowers face:
- Payoff Calculator — When will I be debt-free, and how much will it cost me?
- Refinance Calculator — Should I refinance, and how much would I save?
- Interest Calculator — How much interest is accruing while I am in school or deferring?
- Extra Payment Calculator — What happens if I pay a little more each month?
How We Make Money
ScholarPay is supported by display advertising (Google AdSense). We do not sell your data, require sign-ups, or push specific loan products. The ads you see are served by Google based on the page content — not based on any personal information you enter into the calculators, because your inputs never leave your browser.
We may occasionally include affiliate links to lenders or financial products, but these will always be clearly disclosed. Our calculator results are never influenced by advertising relationships — the math is the math.
Our Commitment to Accuracy
Every calculator on ScholarPay uses standard, publicly documented financial formulas — the same ones used by banks and loan servicers. We do not estimate, round, or approximate. However, all results are for informational purposes only and should not replace advice from a qualified financial advisor or your loan servicer's official numbers.
How We Research and Update Our Guides
Our calculators and guides cover real money decisions, so we hold them to a higher bar than a typical blog post. Every figure traces back to a primary source, and we re-check those sources whenever the rules change.
- Primary sources only. US tax figures come from IRS publications and the annual revenue procedure (the 2026 numbers follow Rev. Proc. 2025-32). Student loan rules and repayment plans come from the US Department of Education and StudentAid.gov.
- Show the math. Each tool page explains the formula it uses, so you can check the result yourself rather than take it on trust.
- Dated reviews. Tax and repayment pages are reviewed each year and again whenever a rule changes mid-year. Articles show the date they were last updated.
- Corrections welcome. If a figure looks wrong, tell us on the contact page and we will fix it and note the change.
Guides are written and maintained by the ScholarPay editorial team. We are not a lender, tax adviser, or financial adviser. For anything that turns on your specific situation, confirm the details against the official sources above or with a qualified professional.
Contact Us
Have a question, suggestion, or found a bug? We would love to hear from you. Visit our contact page to send us a message.