Risk Calculator

Here, we want to help you evaluate your borrowing capacity and provide you with some insights about your financial risk from student loans.

This is a more exhaustive calculator than what is on the Home page, and includes subsidized, unsubsidized, private loans, and personal debts, if any.

Student Loan

Note: We do not recommend using this page on a mobile device.

Typically, the amount of loan a borrower can acquire depends on the borrower's ability to repay the debt in a specified time and collateral, such as personal holdings, including the asset purchased with the borrowed fund.

Federal Student loan doesn't work the same way. Students can borrow up to the maximum, an amount set by the government, without assessment of their circumstances. As a result, some students end up financing more than they can afford after their educational journey ends.

Here, students and parents (and guardians) can evaluate their borrowing limit and get insights about financial from student loans.

The following information is required:

1. Academic Status

2. Loan term details (loan type, loan, amount, loan issue date, interest rate)

3. Geographical area the student plans to live after graduation

4. Post-graduate job title and estimated corresponding salary**

*You do need to provide a loan amount. We recommend using the oldest loan issue date to represent all loans if student borrowed multiple loans.

** Use website such as Indeed.com, Glassdoor.com and others to look up salary information.

Eudo session ID

Legal First Name

M. I.

Legal Last Name

School Name

Major

Expected Graduation Date

Subsidized Student Loans
List all past, current, and estimated future subsidized student loans by academic year.

1. Subsidized Loan Date

Amount ($)

Interest Rate (%)

2. Subsidized Loan Date

3. Subsidized Loan Date

4. Subsidized Loan Date

Amount ($)

Interest Rate (%)

Unsubsidized Student Loans
List all past, current, and estimated future unsubsidized student loans by academic year.

1. Unsubsidized Loan Date

Amount ($)

Interest Rate (%)

2. Unsubsidized Loan Date

Amount ($)

Interest Rate (%)

3. Unsubsidized Loan Date

Amount ($)

Interest Rate (%)

4. Unsubsidized Loan Date

Amount ($)

Interest Rate (%)

Private Student Loans
List all past, current, and estimated future private student loans by academic year.

1. Private Loan Date

Amount ($)

Interest Rate (%)

2. Private Loan Date

Amount ($)

Interest Rate (%)

3. Private Loan Date

Amount ($)

Interest Rate (%)

4. Private Loan Date

Amount ($)

Interest Rate (%)

Other Monthly Payments

List other known or anticipated monthly payments; for example, private student loans, car loan, home mortgage, and credit cards.

1. Loan Type

2. Loan Type

3. Loan Type

4. Loan Type

Monthly Payment ($)

Address Post Graduation (US Residence Only)

Enter USA city, select state, then optional zipcode in dropdown menu...

City

Note: if a zipcode is intentionally not selected, we will choose one in the given city for which economic data indicates the most affordable outcome. Additionally, not all zipcodes are available to begin with, we will display only those for which we have economic data.

Job Title after graduation

Job Annual Salary

Employment Aspiration After Graduation
Use employment websites such as Indeed.com, Glassdoor.com or others to look up salary information.

* Attention: Required fields are marked with an asterisk (*) and must be filled in to complete the form.

The financial risk assessment result will be posted here after calculation is done.