Student Loan Nasıl Hesaplanır?
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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.
Adım Adım Kılavuz
- 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
Çözümlü Örnekler
Giriş
$30,000 at 6.5%, 10-year term
Sonuç
$340/month, $10,836 interest
Standard 10-year federal repayment
Giriş
$50,000 at 7.0%, 20-year term
Sonuç
$388/month, $43,191 interest
Longer term = lower payment but much more interest
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