免费学生贷款月供计算器
计算学生贷款的每月还款额和总利息。
每月还款额
$379.84
Monthly Payment vs Repayment Term (years)
公式
## 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.
计算示例
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
常见问题
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.