Free tool
Student Loan Debt-to-Income Calculator
Two simple ratios that put your student loans in context: total balance compared with annual income, and (optionally) your monthly payment compared with monthly gross income.
Answer the questions to see your results here.
Who this is for
- Early-career professionals sizing up their balance
- Anyone preparing for a mortgage application or a practice purchase
- Borrowers comparing repayment paths who want a starting point
Frequently asked questions
Is there a 'good' ratio?
This tool doesn't label ratios good or bad. The same ratio can mean very different things for a resident and an established practice owner.
Should I use gross or take-home pay?
Gross (pre-tax) income, which is how lenders and federal income-driven plans generally measure income.
Why is the payment optional?
Some borrowers are in school, grace or forbearance. The balance ratio still gives useful context.
What's saved?
Nothing unless you save it to your Client Portal or start a Free Consultation.
More tools in the Resource Center.