Student Loan Payoff Nasıl Hesaplanır?
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Student loan repayment calculators show monthly payments under income-contingent plans. UK Plan 2 graduates repay 9% of income above £27,295; forgiven after 30 years.
Formül
Monthly payment (US) = Balance × Monthly rate / (1 − (1 + Monthly rate)^−Months); Repayment plan options vary (10yr, 25yr, income-driven)
- Balance
- Total student loan balance (Currency)
- Rate
- Annual interest rate (Percentage (typically 5–8% federal))
- Term
- Repayment term (Years (10–25))
Adım Adım Kılavuz
- 1UK Plan 2: 9% × (income − £27,295) / 12
- 2Forgiven after 30 years regardless of balance
- 3Low earners pay nothing in low-income months
- 4Interest accrues on the balance throughout
Çözümlü Örnekler
Giriş
UK: £45k salary, Plan 2
Sonuç
Monthly = 9% × (£45k − £27.3k) / 12 = £132/month
Sık sorulan sorular
Should I repay federal or private loans first?
Federal first if forgiveness programs apply (PSLF). Private second (higher rates, fewer protections). If high private rate (7%+), prioritize private aggressive.
What's income-driven repayment?
Payment based on discretionary income (10–20% of earnings above poverty line). Caps monthly payment but extends term. Forgiveness after 20–25 years (may be taxable).
Is loan forgiveness real?
Federal forgiveness programs (PSLF, SAVE Plan) exist. But forgiveness may be taxable income. Payment extends 25 years. Do math: repay vs forgive, which is cheaper?
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