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 monthly repayment amount and loan term. If you fall behind on your repayments this estimate will change. Related articles Why can’t I see my payments in my online account? What does powered by Oakbrook mean? What happens if I make additional repayments on my loan? How do I contact you?