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 Can I pay by Credit Card? What does my current balance mean? How does ‘daily interest’ work? Can I manage my account online? Been accepted for a loan but don’t require the money anymore?