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Loans & Amortization · Student Loans

Student Loan Consolidation Calculator

Combine multiple student loans into one and see the consolidated rate, payment and total interest.

  • Free to use here · embed on the Free plan
  • 3 inputs · 6 results
  • English & Spanish

Try the Student Loan Consolidation Calculator

See your consolidated student loan — results update as you type.

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Estimates only — not a loan offer or financial advice.

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What this calculator does

What the Student Loan Consolidation calculator works out

The Student Loan Consolidation Calculator is a free, embeddable calculator from CalcFunnel. Combine multiple student loans into one and see the consolidated rate, payment and total interest.

You enter 3 inputs: consolidation term (years), balance and rate (%).

It returns consolidated rate, weighted average rate, new monthly payment, total balance, total interest and max federal consolidation term.

Built for lenders, credit unions and borrowers. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Loans & Amortization category.

Results it shows

  1. 01Consolidated Rate
  2. 02Weighted Average Rate
  3. 03New Monthly Payment
  4. 04Total Balance
  5. 05Total Interest
  6. 06Max Federal Consolidation Term

The first figure — consolidated rate — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Consolidation Term

Consolidation Term (years)
The repayment term for the consolidated loan. For federal consolidation loans made on or after July 1, 2026, the Tiered Standard plan sets the term by total balance: 10 years under $25,000, 15 under $50,000, 20 under $100,000 and 25 at $100,000+.

Loan 1

Balance
The balance of this student loan.
Rate (%)
The annual interest rate on this loan.

For your website

Embed this calculator on your website

Put the Student Loan Consolidation Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

Student Loan Consolidation calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Student Loan Consolidation Calculator calculate?
Combine multiple student loans into one and see the consolidated rate, payment and total interest. It returns consolidated rate, weighted average rate, new monthly payment, total balance, total interest and max federal consolidation term.
Q.02What information do I need to use the Student Loan Consolidation Calculator?
You enter 3 inputs: consolidation term (years), balance and rate (%). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Consolidation Term (years)” mean in the Student Loan Consolidation Calculator?
The repayment term for the consolidated loan. For federal consolidation loans made on or after July 1, 2026, the Tiered Standard plan sets the term by total balance: 10 years under $25,000, 15 under $50,000, 20 under $100,000 and 25 at $100,000+.
Q.04What does “Balance” mean in the Student Loan Consolidation Calculator?
The balance of this student loan.
Q.05Is the Student Loan Consolidation Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Loans & Amortization category. Compare plans.
Q.06Can I embed the Student Loan Consolidation Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the Student Loan Consolidation Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the Student Loan Consolidation results financial advice?
No. Estimates only. Federal Direct Consolidation uses a weighted-average rate rounded up to the nearest one-eighth percent; private consolidation differs. The maximum term shown is the Tiered Standard plan term for consolidations made on or after July 1, 2026 (10–25 years by balance); older consolidations used a 10–30 year schedule. Extending the term lowers the payment but raises total interest. Confirm with your servicer.

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The Student Loan Consolidation Calculator is one of 188 calculators you can brand and embed with one line of code.

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