What is the debt free graph? The debt-free graph is a feature in your online account. It gives you a rough estimate of when your loan will be paid off based on your current payment amount and loan term. If you fall behind on your payments this estimate will change Related articles When will I receive my money? Can I manage my account online? How do I save my online account as an app to my phone? Can I pay my loan off early? How do I change my regular payment date?