收入驱动还款计算器
根据您的收入和家庭规模计算收入驱动型学生贷款还款方案的月供金额，比较IBR、PAYE和REPAYE计划。
Estimated Monthly Payment
$228
Estimated Monthly Payment vs Adjusted Gross Income
公式
Income-Driven Repayment Plans
How Payments Are Calculated
Monthly Payment = (AGI - 150% of Poverty Line) x Plan% / 12
Plan Comparison
Poverty Guidelines (2024, Continental US)
计算示例
$50,000 AGI, single, $40,000 loans, SAVE plan (10%).
- 01Poverty line (1 person) = $15,060
- 02150% of poverty = $22,590
- 03Discretionary income = $50,000 - $22,590 = $27,410
- 04Annual payment = $27,410 x 10% = $2,741
- 05Monthly payment = $2,741 / 12 = $228
常见问题
Which income-driven plan is best?
The SAVE plan (formerly REPAYE) typically offers the lowest payments at 10% of discretionary income and has the most generous interest subsidy. It is the best option for most borrowers.
Is forgiven debt taxable?
Under current law, PSLF forgiveness is not taxable. For other IDR forgiveness, the forgiven amount may be taxable as income. A temporary provision through 2025 makes all forgiveness tax-free.
What if my income increases?
Your payment is recalculated annually based on your latest income. As your income grows, payments increase. You can switch to the standard plan anytime if it becomes cheaper.
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