收入驱动还款计算器 — 公式
## How Public Service Loan Forgiveness Works
PSLF forgives remaining balance after 120 qualifying payments (10 years) while working for a qualifying employer.
### Remaining Balance Formula
**Balance after N payments = Original x (1+r)^N - Payment x ((1+r)^N - 1) / r**
The remaining balance after 120 payments is the amount forgiven. Under IDR plans, payments are based on income rather than loan amount.
PSLF forgives remaining balance after 120 qualifying payments (10 years) while working for a qualifying employer.
### Remaining Balance Formula
**Balance after N payments = Original x (1+r)^N - Payment x ((1+r)^N - 1) / r**
The remaining balance after 120 payments is the amount forgiven. Under IDR plans, payments are based on income rather than loan amount.
计算示例
A $60,000 loan at 6% with $350/month IDR payments for 120 months.
- Monthly rate = 6% / 12 = 0.5%
- Balance growth = $60,000 x (1.005)^120 = $109,164
- Payments factor = $350 x ((1.005)^120 - 1) / 0.005 = $57,439
- Remaining balance = $109,164 - $57,439 = $51,725 (forgiven)
- Total paid = $350 x 120 = $42,000