Freepoint provides educational tools only and does not constitute financial advice. Full disclaimer
Your student loan & investment co-pilot.
Add each loan separately. Disbursement date determines which plans you're eligible for.
Total balance
Weighted avg rate
Include everything — 401k, Roth IRA, HSA, brokerage, emergency fund contributions, etc. Leave 0 if not currently investing.
401k / 403b
Roth IRA
HSA
Brokerage
Emergency fund
Other
Total investing
$0/mo
⚠️ Plan eligibility restricted
Total balance
Avg interest rate
Number of loans
Your loan situation grade
Most important action
Sorted by total cost. Your current payment shown for comparison.
Debt-free date on best plan
Get a personalized action plan that addresses every weakness in your score.
Personalized repayment recommendation
Which plan to pick and exactly why
Dollar-by-dollar invest split
401k, HSA, Roth IRA, emergency fund — exact amounts
Refinancing calculator
Exact savings and risk breakdown
10-year net worth projection
See exactly where you'll be financially
PSLF eligibility check
Payments remaining and forgiveness date
Cancel anytime · No commitment
Get a dollar-by-dollar split personalized to your situation. Co-Pilot feature.
Cancel anytime · No commitment
Typical long-term market average is 6–9%. Below 6% is conservative, above 9% is aggressive.
Following Freepoint's plan
Paying loans first
Projections use your entered expected return. Actual results will vary. Not financial advice.
Refinancing federal loans to private is permanent — you lose access to IDR plans and forgiveness programs. Answer a few questions to see if it's even worth considering — free.
Quick verdict
Get the precise dollar comparison between staying federal and refinancing private.
Exact monthly and lifetime savings
Compare your current plan to any refi rate
Full risk breakdown
Exactly what protections you'd give up
Clear final verdict
Should you do it or not — with reasoning
Cancel anytime · No commitment
Typical 2026 rates: excellent credit ~4.5%, good credit ~6.5%, fair credit ~8.5%
Stay federal
Monthly payment
Total paid
Refinance
Monthly payment
Total paid
Freepoint Finance is an educational financial tool. Nothing on this site constitutes financial, investment, legal, or tax advice.
Freepoint is not a registered investment advisor. Always consult a licensed professional before making financial decisions.
All calculations are estimates. Student loan policies change frequently and information may not reflect the most recent updates.
Last updated: July 2026
Last updated: July 2026
Freepoint provides educational tools only. We are not a licensed financial advisor. Nothing here constitutes financial advice. We are not liable for decisions made based on this service. Contact: legal@freepointfinance.com
Last updated: July 2026
Financial data you enter is used only to generate your results and is not stored. We do not sell your data. We use Anthropic's Claude API to generate recommendations. Contact: privacy@freepointfinance.com