The Long-Term Impact of Education Debt on College Graduates
Use this College Debt Crunch slide rule to estimate the monthly cost of paying off a student loan and see how much those payments could grow to if they were invested instead.
Step 1: Estimate the total amount you will need to borrow
for college expenses by clicking the highlighted plus or minus symbols below.
Step 3: View the amount of your monthly student loan payment and the total amount you will pay back on your loan.
Step 2: Estimate the interest rate on your student loan. (Interest rates on student loans have averaged between 5% and 9% over the past decade.) Step 4: See how much money you could accumulate instead by investing that monthly loan amount over 10, 20, 30 or 40 years.
What You’ll Owe... What You Could Earn...
Total
Loan Amount
Interest
Rate
Monthly Student Loan
Payment for 10 Years
Total Principal
and Interest Paid
After
10 Years
After
20 Years
After
30 Years
After
40 Years

Please note: Since investing involves risk to principal, positive results and the achievement of an investor’s goals are not guaranteed. There are no assurances that any investment will be profitable. These performance return projections do not represent predictable outcomes of any investments. The results generated by the College Debt Crunch slide rule regarding the user’s hypothetical investment return is provided for educational purposes only. No information contained in the results should be construed as debt management or investment advice. Please consult your Financial Advisor for personal financial advice.