Calculateur de Remboursement de Prêt Étudiant Gratuit
Calculez vos mensualités de prêt étudiant, les intérêts totaux et le calendrier de remboursement.
Mensualité
$379.84
Monthly Payment vs Repayment Term (years)
Formule
## 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.
Exemple Résolu
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
Questions Fréquentes
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.