計算 student loan payments, total interest, と repayment timelines. Supports deferment, interest-only, と immediate repayment options. Compare federal と private loan scenarios with pure クライアントサイド calculations.
This student loan計算機 のお手伝いをします estimate monthly payments, total interest costs, と understand how different repayment strategies affect your loan. Whether you have federal student loans, private loans, or a combination, you can compare deferred repayment (no payments during school), interest-only payments, と full immediate repayment options. すべて calculations happen in your browser — your financial data never leaves your device.
With deferred repayment, you make no payments while in school と interest accrues on your balance. With interest-only repayment, you pay only the interest each month during school, preventing your balance from growing. Full repayment means you start paying principal と interest immediately.
利息 capitalization occurs when unpaid interest is added to your principal balance. For deferred loans, this typically happens at graduation, increasing your total repayment amount. 当社の計算機 shows you exactly how much extra this costs.
Federal student loan rates for undergraduates typically range from 4% to 6% (set annually by Congress). Private student loan rates vary widely based on creditworthiness, typically ranging from 3% to 14%. Graduate と parent PLUS loans often have higher rates.
標準 federal student loan repayment is 10 years, but income-driven repayment plans can extend to 20-25 years. Private loan terms typically range from 5 to 20 years. Use our計算機 to see how different terms affect your payments.
はい, most student loans allow early repayment without penalty. Paying extra toward principal can significantly reduce your total interest costs. Use the計算機 to see how additional payments would affect your loan.