To help you understand the loan options that work best for your life, education and career, consult our loan repayment calculator. This calculator is designed to help you see and plan your options when the time comes to repay your student loans. In addition to our loan repayment calculator, the federal student aid website offers a comprehensive guide to different types of loans, interest rates and repayment plans, including information on whether consolidating payments can make repaying loans an even easier process. All students are required to repay any money received through loans, and not doing so can come with financial consequences. Below we have shared resources that may assist with calculating interest rates and consolidation of costs.