学生ローン計算ツール
毎月の学生ローンの支払いを計算し、返済計画を比較し、追加の支払いがどのようにしてより早く借金をなくすのに役立つかを確認してください。
あなたの詳細
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.
月々のお支払い
$0
総利息
$0
支払総額
$0
支払い日
--
追加支払いの節約
保存 $0 利息を払って返済する 0 何年も前に！
時間の経過に伴うバランス
お支払いの内訳
返済プランを比較する
| プラン | 毎月 | 総利息 | 支払総額 |
|---|
支払いスケジュール
| 日付 | 支払い | 主要 | 興味 | バランス |
|---|
| 年 | 主要 | 興味 | バランス |
|---|
完全なユーザーガイド
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
月々のお支払い
The fixed amount due each month. Shorter terms mean higher payments but less total interest.
総利息
The total cost of borrowing over the life of the loan. Extra payments reduce this amount.
支払い日
When the loan is fully paid. With extra payments, this date moves earlier.
この計算機の使い方
- 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.
結果を理解する
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.
チャートを理解する
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.
数式
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
重要な注意事項
- 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.