About Us

Student Loan Calculator provides free, easy-to-use calculators that help borrowers understand their student loans — monthly payments, total interest, payoff timelines, federal repayment options, and loan forgiveness scenarios. Everything runs in your browser; no account or personal information is required to use the tools.

Student Loan Calculator is built by Jack Shi, an independent developer and the founder of CLOOMS, where he builds focused, genuinely useful web tools. It is run as a small, focused product — if a number looks off or a feature could be clearer, a real person reads your message.

Our calculators use standard amortization formulas: monthly payments are derived from the loan principal, annual interest rate, and term, and forgiveness and federal repayment estimates follow published program rules. Results are estimates for planning purposes and may differ from your servicer's figures.

Not financial advice. The tools are informational and do not constitute financial, legal, or tax advice. For decisions about your loans, consult your loan servicer or a qualified financial professional.