Student Loan ஐ எப்படி கணக்கிடுவது
Student Loan என்றால் என்ன?
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.
படிப்படியான வழிகாட்டி
- 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
தீர்க்கப்பட்ட எடுத்துக்காட்டுகள்
உள்ளீடு
$30,000 at 6.5%, 10-year term
முடிவு
$340/month, $10,836 interest
Standard 10-year federal repayment
உள்ளீடு
$50,000 at 7.0%, 20-year term
முடிவு
$388/month, $43,191 interest
Longer term = lower payment but much more interest
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