This Graduate Repayment Calculator computes an estimate of the size of your monthly loan payments using the graduated repayment plan. This repayment plan starts the payments at a low level (usually interest only) and gradually increases the payments until the balance is paid.

This calculator assumes that the interest rate remains constant throughout the life of the loan. If you use a loan program that has a variable interest rate, we suggest that you use the current maximum rates to get a ceiling on the interest payments.