Kalkulator Pinjaman Pelajar

Kira bayaran pinjaman pelajar bulanan anda, bandingkan pelan pembayaran balik dan lihat cara pembayaran tambahan boleh membantu anda menjadi bebas hutang dengan lebih cepat.

Butiran Anda

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Pinjaman persekutuan: 5-7%, Swasta: berbeza-beza

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Lihat bagaimana pembayaran tambahan menjimatkan wang anda

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.

Panduan Pengguna Lengkap

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

Bayaran Bulanan

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

Jumlah Faedah

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

Tarikh Pembayaran

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

Cara Menggunakan Kalkulator Ini

  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.

Memahami Keputusan Anda

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.

Memahami Carta

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.

Formula

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

Nota Penting

  • 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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