Grad-IQ · Grad school money · Stipends & loans

PhD Stipend & Loan Budget Planner

Map every month of stipend pay, see your summer gaps before they hit, build a buffer, and never miss a student loan due date.

On the Repayment Assistance Plan (RAP), the Department of Education's interest waiver and up-to-$50 principal match apply to months when you make a full, on-time payment (StudentAid.gov). The loan tab tracks your payment window for you.