Calculadora de Refinanciamiento de Préstamo Estudiantil Gratis
Compara tu préstamo actual con opciones de refinanciamiento. Calcula nuevos pagos y ahorros.
Ahorro Mensual
$45.77
Monthly Savings vs Loan Term (years)
Fórmula
## How to Calculate Refinance Savings Refinancing replaces your current loan with a new one at a lower rate. ### Savings Formula **Monthly Savings = Current Payment - New Payment** **Total Savings = Monthly Savings x Number of Payments** Both payments use the standard amortization formula with respective interest rates.
Ejemplo Resuelto
Refinancing a $40,000 loan from 6.8% to 4.5% over 10 years.
- 01Current monthly payment at 6.8% = $460.32
- 02New monthly payment at 4.5% = $414.02
- 03Monthly savings = $460.32 - $414.02 = $46.30
- 04Total savings over 10 years = $46.30 x 120 = $5,556
Preguntas Frecuentes
When should I refinance student loans?
Consider refinancing if you can get a rate at least 1% lower, have stable income, and do not need federal loan protections like IBR or forgiveness.
Do I lose federal benefits when refinancing?
Yes, refinancing federal loans with a private lender means losing access to income-driven repayment, deferment, forbearance, and loan forgiveness programs.
Is there a cost to refinance?
Most student loan refinance lenders charge no application or origination fees. However, check for any prepayment penalties on your current loan.