Student Loan ஐ எப்படி கணக்கிடுவது
Student Loan என்றால் என்ன?
A student loan calculator estimates monthly payments, total repayment, and total interest under different repayment plans for UK (Plan 1, 2, 4, Postgraduate) or US (Standard, IBR, PAYE) student loans.
சூத்திரம்
Monthly payment = P × r(1+r)ⁿ/[(1+r)ⁿ−1] where r = annual rate/12, n = months
- P
- Principal loan amount ($)
- r
- Monthly interest rate (annual%/12)
- n
- Number of payments (months)
- M
- Monthly payment ($)
படிப்படியான வழிகாட்டி
- 1UK Plan 2: repay 9% of income above £27,295/year; written off after 30 years
- 2UK interest: RPI + 0–3% depending on income
- 3US Standard: fixed monthly payment over 10 years
- 4US IBR: 10% of discretionary income; forgiven after 20–25 years
தீர்க்கப்பட்ட எடுத்துக்காட்டுகள்
உள்ளீடு
UK Plan 2: £50k debt, £35k salary
முடிவு
Annual repayment = 9% × (£35k−£27,295) = £693/yr = £57.75/month
அடிக்கடி கேட்கப்படும் கேள்விகள்
What's the difference between federal and private student loans?
Federal: fixed rates, income-based repayment, forgiveness programs. Private: variable rates, credit-based, more expensive.
What's income-driven repayment?
Payment capped at discretionary income %. Plans: PAYE (10% income), IBR (10-15%), SAVE (5-10% discretionary).
Can student loan interest be deducted?
Yes, up to $2,500/year federal deduction. PSLF: 10 years forgiveness for public service jobs (federal only).
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