Understand your student loans. Know exactly what to do.
Step 1 — Your loans
Up to 15 loansAdd each loan separately. Disbursement date determines which repayment plans you're eligible for.
Total balance
Weighted avg rate
Step 2 — Your current situation
Step 3 — About you
Include everything — 401k, Roth IRA, HSA, brokerage, emergency fund, etc.
401k / 403b
Roth IRA
HSA
Brokerage
Emergency fund
Other
Total investing
$0/mo
⚠️ Plan eligibility restricted
Your loan pool
Total balance
Avg interest rate
Number of loans
Your loan situation grade
Score breakdown
All repayment plans
Sorted by total cost. Your current payment shown for comparison.
Debt-free date on best plan
Should you refinance?
Refinancing federal loans to private is permanent — you lose IDR plans and forgiveness options.
Turn your grade into a complete action plan
FreePoint tells you where you stand. FreePoint Pro tells you exactly what to do — loan by loan, dollar by dollar.
Loan-by-loan payoff strategy
Know exactly which loans to attack first — saves thousands in interest
Invest vs pay down split
Dollar-by-dollar allocation across 401k, HSA, Roth IRA, and extra loan payments
Refinancing calculator
Exact monthly and lifetime savings — and whether the risk is worth it
10-year net worth projection
See exactly where you'll be financially if you follow the plan
$12/mo · Cancel anytime
Your complete financial action plan
FreePoint Pro takes your loan data and builds a complete plan — which loans to attack, how to split your money, and where you'll be in 10 years.
Invest vs pay down strategy
An exact dollar split — 401k, HSA, Roth IRA, extra loan payments — based on your actual rates, tax bracket, and employer match. Extra loan payments are directed to your highest-rate loan automatically.
Refinancing calculator
Enter any rate you've been offered and see the exact monthly and lifetime savings — plus a clear verdict on whether the trade-offs are worth it.
10-year net worth projection
See exactly where you'll be financially in 10 years following the plan vs doing nothing.
$12 / month
Less than one hour with a financial advisor. Cancel anytime.
Your loan data from FreePoint carries over automatically
Haven't analyzed your loans yet?
Invest vs pay down strategy
Your loan data is pre-filled. Extra loan payments are directed to your highest-rate loan automatically.
Money available after bills and minimums — for investing, saving, and extra debt payoff
Typical long-term market average is 6–9%. Below 6% is conservative, above 9% is aggressive.
Your monthly allocation
Why
10-year net worth projection
Following FreePoint Pro plan
Paying loans first
Projections use your entered expected return. Actual results will vary. Not financial advice.
Refinancing calculator
Compare staying federal vs refinancing to a private loan.
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
Disclaimer
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
Terms of Service
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
Privacy Policy
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