Calculadora de Pago de Préstamo Estudiantil — Fórmula

Student Loan Repayment Options

Standard Repayment (10 years)

Fixed monthly payments. Highest payment but lowest total interest.

Extended Repayment (25 years)

Lower monthly payments but significantly more total interest.

Income-Driven Plans

Payments capped at 10-20% of discretionary income with forgiveness after 20-25 years.

Formula

M = P x r x (1+r)^n / [(1+r)^n - 1]

Where P is the loan balance, r is the monthly rate, and n is total payments.

Ejemplo Resuelto

$40,000 student loan at 5.5% interest.

  1. Standard (10yr): $434/month, $12,052 total interest
  2. Extended (25yr): $245/month, $33,567 total interest
  3. Standard saves $21,515 in interest
  4. Standard costs $189 more per month