// multi-utility computation suite · offline · instant · precise
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edu.student-loan Calculator
Calculates monthly student loan payment, total interest paid over the loan term, and total repayment amount from principal, interest rate, and term. Standard repayment on federal loans is 10 years — this shows the full cost at different income-driven plans.
Inputs
Balance
Reference formula or conversion factor shown for context.
Rate
The rate at which interest accrues. Small differences compound dramatically — compare carefully when choosing between lenders.
Term
Reference formula or conversion factor shown for context.
Income
Reference formula or conversion factor shown for context.
Results
monthly payment
Fixed monthly instalment covering principal and interest. Does not include property tax or insurance unless explicitly shown.
total interest paid
Total interest paid over the life of the loan — the real cost of borrowing. On a $400k 30-year loan at 7%, this often exceeds $550,000.
total repaid
The combined total across all inputs and components.
debt-to-income ratio
The proportional relationship between two quantities.
income-based threshold (10%)
Sample size or count used in the calculation.
payoff
Reference formula or conversion factor shown for context.