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Track your road to loan forgiveness.

Enter your qualifying payments, loan balance, and monthly payment to see how close you are to 120 — and what could be forgiven.

Your progress

01 / PAYMENTS
#
Payments remaining120

Your loans

02 / LOANS
$
%
$
Assumes you stay on an income-driven repayment plan.

Your employer

03 / EMPLOYER

Qualifying employers include federal, state, and local government agencies and qualifying non-profits. Verify yours with the PSLF Help Tool on StudentAid.gov.

Email my results

Calculate your progress to activate the email and copy buttons. Your entries stay in this tab and are not saved.

Count down to 120.

Enter your qualifying payments, loan balance, and monthly payment to see your forgiveness date and projected amount forgiven.

Last reviewed: October 2026.

What's next?

Honed Money provides calculators and educational information for general purposes only. It is not financial, tax, legal, investment, or insurance advice. Estimates are based on the information you enter and the assumptions shown. Actual results will vary. PSLF rules change — verify your payment count, employer eligibility, and current requirements at StudentAid.gov. We don’t sell financial products and aren’t paid for calculator results. Use at your own risk.