छात्र ऋण कैलकुलेटर
अपने मासिक छात्र ऋण भुगतान की गणना करें, पुनर्भुगतान योजनाओं की तुलना करें और देखें कि अतिरिक्त भुगतान आपको तेजी से ऋण-मुक्त होने में कैसे मदद कर सकता है।
आपका विवरण
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.
मासिक भुगतान
$0
कुल ब्याज
$0
पूर्ण भुगतान
$0
अदायगी तिथि
--
अतिरिक्त भुगतान बचत
बचाना $0 ब्याज में और चुकाओ 0 वर्षों पहले!
समय के साथ संतुलन
भुगतान टूटना
पुनर्भुगतान योजनाओं की तुलना करें
| योजना | महीने के | कुल ब्याज | पूर्ण भुगतान |
|---|
भुगतान अनुसूची
| तारीख | भुगतान | प्रधानाचार्य | दिलचस्पी | संतुलन |
|---|
| वर्ष | प्रधानाचार्य | दिलचस्पी | संतुलन |
|---|
संपूर्ण उपयोगकर्ता मार्गदर्शिका
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
मासिक भुगतान
The fixed amount due each month. Shorter terms mean higher payments but less total interest.
कुल ब्याज
The total cost of borrowing over the life of the loan. Extra payments reduce this amount.
अदायगी तिथि
When the loan is fully paid. With extra payments, this date moves earlier.
इस कैलकुलेटर का उपयोग कैसे करें
- Enter your total student loan balance (from your servicer or statement).
- Enter the interest rate and choose repayment term (e.g. 10 years Standard, 25 years Extended).
- Optionally enter an extra monthly payment to see savings and earlier payoff.
- Click Calculate to see monthly payment, total interest, payoff date, charts, plan comparison, and schedule.
- Switch between Monthly and Yearly views in the payment schedule.
अपने परिणामों को समझना
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.
Understanding the Charts
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.
सूत्रों
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
महत्वपूर्ण नोट्स
- 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.