Rate & Payment Estimates

Crunch the numbers before you apply.

Use our quick estimator tool to preview your potential rate and monthly payment—no impact, no pressure.

  1. Select your credit score
  2. Estimate your loan amount
  3. Get instant results

Zero commitment. Real insights. Takes less than 60 seconds.

Want to learn more? Explore program details.

Product type:
Use the higher credit score from the borrower or co-applicant to potentially get better rates – with no impact on your credit.

Why is a Co-Applicant Important?

Most high school and college-aged students have not yet built a credit history. A lender can’t look at your credit and payment history to be assured you will repay the loan. By applying with a creditworthy co-applicant, you may have a better chance of being approved for a loan, and you may receive a lower interest rate. If you have a co-applicant, please use their credit score range to estimate your rates.

Learn more about how to pick a good student loan co-applicant.

Helpful Hints

  • Applying with a creditworthy co-applicant can improve your chance of getting approved or a lower rate.
  • A co-applicant can be a parent, guardian, or even a friend.
  • When you apply with a co-applicant, if they have a higher credit score, it will be used instead.

PLEASE NOTE: Calculations are based on self-selected credit score and requested loan amount.
* APR = Annual Percentage Rate.

◊ The APR will not fall below the floor rate regardless of the index or any additional rate discount.
Using the free student loan payment calculator does not constitute an offer to receive a loan and will not solicit a loan offer. Any payments and savings will depend on the actual amounts for which you are approved, should you choose to apply. This calculator is provided for educational purposes only and should not be relied upon as financial advice. Always consult your credit union or financial advisor when making your decision.