A practical planning toolkit · U.S. Letter PDF
A clearer plan for your student loan payoff.
The Aftergrad Ledger Student Loan Payoff Planner brings loan records, payoff strategies, a monthly budget, refinance questions, and calculator instructions into one reusable paper toolkit.
$6.99 USD one-time purchase · no subscription
Included in the toolkit
Five useful resources, ready to print
Loan payoff worksheet and tracker
Record loan and servicer names, federal or private type, current balance, annual rate, required payment, monthly target, review date, dated payment and balance check-ins, and questions.
Avalanche and snowball guides
Compare two payoff approaches using the same monthly budget, keep every loan current with its minimum, and plan where extra money goes next.
Monthly budget template
Write in monthly income, essential and flexible expenses, savings goals, each loan minimum, a planned extra payment, and the resulting debt target.
Refinancing comparison checklist
Compare fixed or variable APRs, terms, fees, payments and total cost; review co-signer obligations and any federal options or protections at stake.
Extra-payment calculator instructions
Follow the existing calculator’s inputs and compare estimated payoff timing and interest with and without a recurring extra payment.