About EduRepay
We put the whole repayment picture on one page — because nobody should sign a 20-year plan they can't see.
Why we built this
The problem
Student loan repayment is a maze of acronyms — Standard, SAVE, PAYE, IBR, ICR, refinance — each with its own formula, poverty-line multiplier, and forgiveness clock. Servicer portals show one plan at a time, never side by side.
What we do
EduRepay computes every plan from the same three inputs — balance, rate, income — and lines them up in one ledger. You see the monthly payment, total interest, and projected forgiveness for each, then decide with real numbers.
How it works
Every calculation runs locally in your browser. There is no account, no server-side math, and no loan data leaving your device. You can open DevTools and watch the amortization happen.
Our formulas
Amortization follows the standard annuity formula; income-driven plans use the published 2024 federal rules — 225%/150%/100% poverty-line protection floors and 5–20% discretionary income percentages with the 10-year Standard cap where it applies.
What we are not
We are not a lender, broker, or financial advisor. EduRepay is an independent educational tool. Estimates here are planning aids — your servicer's disclosures and studentaid.gov are always the source of truth.
What's next
State tax treatment of forgiveness, married-filing-jointly scenarios, and PSLF timelines are on the roadmap. Suggestions are welcome at support@edurepay.com.