How Much Student Debt Is Too Much?

Estimate whether your student loan debt is within a safe range based on your expected salary, interest rate, and repayment choices.

📊 Loan Details

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Your expected annual salary after graduation. This helps calculate your debt-to-income ratio.
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The total amount of student loans you have or plan to borrow.
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The annual interest rate on your student loans. Federal loans typically have lower rates than private loans.
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The number of years over which you'll repay your loans. Standard federal plans are 10 years.

📈 Your Results

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Debt-to-Income Ratio
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Safe (<8%) Moderate (8-10%) Too Much (>10%)

🔍 What-If Scenarios

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5% Interest

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7% Interest

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Average Student Loan Debt

The average student loan debt for borrowers in the U.S. is approximately $30,000. Learn more from Federal Student Aid.

Typical Salary Estimates

Research typical salaries for your field to set realistic expectations. Check the Bureau of Labor Statistics Occupational Outlook Handbook.

This calculator provides educational estimates only and does not represent financial advice. Actual repayment amounts vary based on loan terms and lender policies.

Tool created by Touheed Ali (2025) | Š YouthBudget.com