Calculadora de Pago de Préstamo Estudiantil Gratis
Calcula el pago mensual de tu préstamo estudiantil según monto, tasa de interés y plazo.
Pago Mensual
$379.84
Monthly Payment vs Repayment Term (years)
Fórmula
## How to Calculate Student Loan Payments Student loan payments use the standard amortization formula. ### Formula **Monthly Payment = P x r x (1+r)^n / ((1+r)^n - 1)** Where P = principal, r = monthly rate, n = total payments. This formula ensures equal monthly payments over the life of the loan.
Ejemplo Resuelto
A $35,000 student loan at 5.5% interest over 10 years.
- 01Monthly rate = 5.5% / 12 = 0.004583
- 02Number of payments = 10 x 12 = 120
- 03Monthly payment = 35000 x 0.004583 x (1.004583)^120 / ((1.004583)^120 - 1) = $379.60
- 04Total paid = $379.60 x 120 = $45,552
- 05Total interest = $45,552 - $35,000 = $10,552
Preguntas Frecuentes
What is the standard repayment term?
The standard federal student loan repayment term is 10 years (120 payments). Extended plans go up to 25 or 30 years.
Can I pay extra each month?
Yes, making extra payments reduces total interest and shortens the loan term. Specify that extra payments go toward principal.
What happens if I defer payments?
During deferment, interest may still accrue (on unsubsidized loans). This interest capitalizes, increasing your total balance.