Πώς να υπολογίσετε το Student Loan
Τι είναι το Student Loan;
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.
Τύπος
Monthly payment = P × r(1+r)ⁿ/[(1+r)ⁿ−1] where r = annual rate/12, n = months
- P
- Principal loan amount ($)
- r
- Monthly interest rate (annual%/12)
- n
- Number of payments (months)
- M
- Monthly payment ($)
Οδηγός βήμα προς βήμα
- 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
Worked Examples
Εισαγωγή
UK Plan 2: £50k debt, £35k salary
Αποτέλεσμα
Annual repayment = 9% × (£35k−£27,295) = £693/yr = £57.75/month
Frequently Asked Questions
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).
Είστε έτοιμοι να υπολογίσετε; Δοκιμάστε τον δωρεάν υπολογιστή Student Loan
Δοκιμάστε το μόνοι σας →