Calculateur de Remboursement Basé sur le Revenu
Calculez vos mensualités selon un plan de remboursement basé sur le revenu.
Income-driven repayment amount
Estimated Amount Forgiven
$51,806
Estimated Amount Forgiven vs Monthly IDR Payment ($)
Formule
## How Public Service Loan Forgiveness Works PSLF forgives remaining balance after 120 qualifying payments (10 years) while working for a qualifying employer. ### Remaining Balance Formula **Balance after N payments = Original x (1+r)^N - Payment x ((1+r)^N - 1) / r** The remaining balance after 120 payments is the amount forgiven. Under IDR plans, payments are based on income rather than loan amount.
Exemple Résolu
A $60,000 loan at 6% with $350/month IDR payments for 120 months.
- 01Monthly rate = 6% / 12 = 0.5%
- 02Balance growth = $60,000 x (1.005)^120 = $109,164
- 03Payments factor = $350 x ((1.005)^120 - 1) / 0.005 = $57,439
- 04Remaining balance = $109,164 - $57,439 = $51,725 (forgiven)
- 05Total paid = $350 x 120 = $42,000
Questions Fréquentes
Who qualifies for PSLF?
You must work full-time for a qualifying employer (government, non-profit), have Direct Loans, be on an IDR plan, and make 120 qualifying payments.
Is forgiven amount taxed?
Under PSLF, the forgiven amount is NOT taxable. Under other IDR forgiveness (after 20-25 years), it may be taxable depending on current law.
What if I have not made 120 payments yet?
Keep making qualifying payments. You can track progress through the PSLF Help Tool on studentaid.gov.