Worth Shield Financial Services · Personal planning estimate
Student Loan Refinance Quote Comparison
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College Calculator
Student Loan Refinance Calculator
Compare entered refinance quotes against real remaining payments, including fees and federal-protection trade-offs.
Current Loans
Use current statement balance, fixed note rate, regular payment and remaining months. Balances must be positive. Remaining terms must repay the debt; no balloon or daily-accrual schedule is guessed.
Entered Refinance Offers
Use the note interest rate, not a fee-inclusive APR. Enter all new fees separately. Paid upfront means paid now outside the loan; financed means added to principal. No rates or lenders are invented.
Understanding Student Loan Refinancing
Private refinancing and federal consolidation are different transactions. Lower rates or lower monthly payments do not automatically improve lifetime costs or compensate for lost federal benefits.
How This Calculator Works
Each existing loan is amortized from its entered balance and payment, using monthly interest rounded to cents and a capped final payment. A new offer repays the combined balances. New fees are counted once, whether paid upfront or financed. Future costs exclude already-paid costs and are not discounted to present value.
Daily interest, delinquency, capitalization, variable-rate changes, tax deductions, credit approval, government subsidies and federal-benefit valuation need separate analysis. This does not predict a lender quote.
Review federal repayment protections before refinancingFrequently Asked Questions
You enter actual lender quotes or clearly hypothetical assumptions. This calculator does not generate offers from a credit-score tier or promise approval. Use the note interest rate, not a fee-inclusive APR, because fees are entered separately. Rate discounts, co-signer requirements and lender eligibility are not inferred.
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