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Calculate Your Estimated Disbursement Amount

An origination fee is a percentage of your loan amount charged by the lender for the processing of your loan. Federal student loans have an origination fee; therefore, the amount you may receive as a disbursement may be slightly lower than the amount you accept.

Loan fees for Federal Direct Subsidized and Unsubsidized Loans with a first disbursement on or after October 1, 2020 are 1.057%; loan fees for Federal Direct PLUS Loans are 4.228%. These fee percentages are used in the calculation below.

Use the calculator below to determine the amount of money that you will either receive after fees are applied or the increased amount you need to request to cover the origination fees. All amounts below are represented in U.S. dollars.




Select Loan Type:
Origination Fee:
Loan Amount:

Calculated loan origination fee:
Disbursement Amount:
Loan amount + Origination Fee:

*Rounded to nearest dollar- actual amounts may vary slightly due to rounding.