Υπολογιστής φοιτητικού δανείου

Υπολογίστε τη μηνιαία πληρωμή του φοιτητικού σας δανείου, συγκρίνετε τα σχέδια αποπληρωμής και δείτε πώς οι επιπλέον πληρωμές μπορούν να σας βοηθήσουν να απαλλαγείτε από χρέη πιο γρήγορα.

Τα στοιχεία σας

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Ομοσπονδιακά δάνεια: 5-7%, Ιδιωτικά: ποικίλλει

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Δείτε πώς οι επιπλέον πληρωμές σας εξοικονομούν χρήματα

Enter your total loan balance, interest rate, and repayment term. Add an optional extra payment to see how much you save and how soon you can pay off your loans.

Πλήρης Οδηγός χρήσης

What is the Student Loan Calculator?

This calculator estimates your monthly student loan payment, total interest, and payoff date for federal or private student loans. Enter your total balance, interest rate, and repayment term. You can add an optional extra monthly payment to see how much interest you save and how many years earlier you pay off the loan.

Results include a balance-over-time chart, a principal vs. interest breakdown chart, a comparison of repayment plans (Standard, Extended, Graduated, Aggressive), and a full payment schedule (monthly or yearly view).

Key Metrics

Μηνιαία πληρωμή

The fixed amount due each month. Shorter terms mean higher payments but less total interest.

Συνολικός τόκος

The total cost of borrowing over the life of the loan. Extra payments reduce this amount.

Ημερομηνία Αποπληρωμής

When the loan is fully paid. With extra payments, this date moves earlier.

Πώς να χρησιμοποιήσετε αυτήν την αριθμομηχανή

  1. Enter your total student loan balance (from your servicer or statement).
  2. Enter the interest rate and choose repayment term (e.g. 10 years Standard, 25 years Extended).
  3. Optionally enter an extra monthly payment to see savings and earlier payoff.
  4. Click Calculate to see monthly payment, total interest, payoff date, charts, plan comparison, and schedule.
  5. Switch between Monthly and Yearly views in the payment schedule.

Κατανόηση των αποτελεσμάτων σας

The Compare Repayment Plans table shows Standard (10-year), Extended (25-year), Graduated, and Aggressive (5-year) options so you can see how term length affects payment and total cost. Extra payment savings show how much interest you save and how many years earlier you pay off when you add optional extra principal.

Κατανόηση των γραφημάτων

Balance over time: Shows how your balance decreases. If you entered an extra payment, two lines compare standard vs. with-extra-payment payoff.

Payment breakdown: Doughnut chart of principal vs. interest so you see the share of total payments that go to the loan vs. borrowing cost.

Φόρμουλες

Monthly Payment (M)

M = P × [r(1+r)^n] / [(1+r)^n − 1]

P = loan amount, r = monthly rate (APR ÷ 12), n = number of months

Σημαντικές Σημειώσεις

  • Results are estimates. Actual terms depend on your servicer. Federal loans may have income-driven or forgiveness options not shown here.
  • Refinancing federal loans removes access to income-driven plans and forgiveness. Only refinance if you do not need those benefits.

Tips

•Set up autopay for a rate reduction (e.g. 0.25%) with most servicers.
•Pay highest-interest loans first (avalanche method).
•Pay during grace period to reduce principal before full interest accrues.
•Check for employer student loan assistance benefits.

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