---
title: "Student loan payoff time and interest"
method: GET
path: "/api/v1/calculate/student-loan-payoff"
---

# Student loan payoff time and interest

`GET /api/v1/calculate/student-loan-payoff`

## Request

- Base URL: `https://everycalc.xyz`
- URL: `https://everycalc.xyz/api/v1/calculate/student-loan-payoff`
- Auth: none declared

Months to pay off a student loan and the total interest, computed month by month exactly as the page does. With an extra monthly payment, also returns the interest and months saved. Returns null fields and never_payoff true when the payment does not cover monthly interest. Payoff dates are not returned because the page derives them from the current date. Results match the interactive calculator at everycalc.xyz; every response includes a calculator_url deep link to it.

## Query parameters

- `balance` number, required
- `apr_pct` number, required
- `monthly_payment` number, required
- `extra_payment` number

## Response `200`

Calculation result.

## Other responses

- `400`: Invalid input.

---

[API](https://skmtc.dev/everycalc/apis/everycalc-api.md) · [All operations](https://skmtc.dev/everycalc/apis/everycalc-api/llms.txt) · [OpenAPI document](https://skmtc.dev/everycalc/apis/everycalc-api/revisions/a4bd5db0868a?raw)