Aftergrad Ledger / Payoff planning
Understand your student-loan readiness.
Review an educational assessment of your debt-to-income picture, average loan rate, scheduled-payment projection, payment strength, and estimated interest burden.
Your readiness score is separate from the free Loan Health Score. Both are educational indicators, not credit scores, lender decisions, or a promise of payoff results.
About 2 minutes
Enter your current loan details.
Illustrative values are prefilled. Replace them with figures from current statements.
Transparent calculation
The five factors and weights.
- 25% · Debt-to-income
- 25% · Average interest rate
- 20% · Payoff timeline
- 15% · Monthly payment strength
- 15% · Total interest relative to balance
The score uses the weighted average rate across entered loans and the current scheduled-payment projection. Balance contributes to those ratios and projections; it is not a standalone penalty.
Debt-to-income is scheduled student-loan payments plus other monthly debt payments divided by gross monthly income. Payment strength is estimated first-year principal reduction as a share of the starting balance; interest burden is projected total interest divided by that balance.
Score bands: 90–100 Excellent, 75–89 Good, 60–74 Fair, 40–59 Needs Improvement, and 0–39 Critical.