I recently consolidated my loans, with a graduated payment. I'm looking for a calculator that will show me what I will save, and how early I will pay off my loans if I make more than the payment amount.

Any ideas?

Brandy

google "student loan calculator"

I know what my payments are, I'm looking for a "snowball" type debt repayment calculator.

Given that my payments are graduated, I'm not finding anything

This year, if I pay $200.00 an extra $80 goes to interest, but in 2 years, if I pay 200, only 70 goes to it........see what I mean?

Brandy

That's because your balance is reduced thereby reducing the amount of interest charged on the account...