如何计算Student Loan
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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.
分步指南
- 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
例题解析
输入
$30,000 at 6.5%, 10-year term
结果
$340/month, $10,836 interest
Standard 10-year federal repayment
输入
$50,000 at 7.0%, 20-year term
结果
$388/month, $43,191 interest
Longer term = lower payment but much more interest
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