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 How do I save my online account as an app to my phone? What does my current balance mean? When will I receive my money? What should I do if I need to inform you of a Bereavement? Can I increase my existing loan?