학자금 대출 계산기

월별 학자금 대출 지불액을 계산하고, 상환 계획을 비교하고, 추가 지불금이 어떻게 더 빨리 부채에서 벗어나는 데 도움이 되는지 알아보세요.

귀하의 세부 정보

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연방 대출: 5-7%, 개인: 다양함

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추가 결제로 비용을 절약하는 방법을 알아보세요

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.

전체 사용자 가이드

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

월별 결제

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

총 이자

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

지불 날짜

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

이 계산기를 사용하는 방법

  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.

결과 이해

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.

차트 이해

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.

방식

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

중요 사항

  • 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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