Kaip apskaičiuoti Student Loan
Kas yra Student Loan?
A student loan calculator determines your monthly payment, total interest paid, and payoff timeline based on loan amount, interest rate, and repayment term. Federal and private student loans differ significantly in interest rates, repayment options, and forgiveness eligibility.
Žingsnis po žingsnio vadovas
- 1Identify loan amount, annual interest rate, and repayment term (years)
- 2Calculate monthly interest: annual rate ÷ 12
- 3For unsubsidized loans, interest accrues during grace period (usually 6 months)
- 4Monthly payment formula: M = P × r(1+r)ⁿ / ((1+r)ⁿ − 1)
- 5Total interest = (monthly payment × months) − total loan amount
Worked Examples
Įvestis
$30,000 at 6.5%, 10-year term
Rezultatas
$340/month, $10,836 interest
Standard 10-year federal repayment
Įvestis
$50,000 at 7.0%, 20-year term
Rezultatas
$388/month, $43,191 interest
Longer term = lower payment but much more interest
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