What is the debt-free graph? The debt-free graph is a brand new 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 Why are some features missing from the new version of my online account? Why can’t I see my payments in my online account? What does powered by Oakbrook mean? I have lost my Loan Agreement, can I get a copy?