学生贷款再融资计算器 — 公式
## How to Calculate Student Loan Payoff Time
The payoff time depends on your balance, rate, and payment amount.
### Formula
**Months = ceil(-log(1 - Balance x r / Payment) / log(1 + r))**
Where r = monthly interest rate.
Your payment must exceed the monthly interest charge, or the loan will never be paid off.
The payoff time depends on your balance, rate, and payment amount.
### Formula
**Months = ceil(-log(1 - Balance x r / Payment) / log(1 + r))**
Where r = monthly interest rate.
Your payment must exceed the monthly interest charge, or the loan will never be paid off.
计算示例
A $28,000 balance at 5% interest with $400 monthly payments.
- Monthly rate = 5% / 12 = 0.004167
- Monthly interest = $28,000 x 0.004167 = $116.67
- Months = ceil(-log(1 - 28000 x 0.004167 / 400) / log(1.004167)) = 81 months
- Years = 81 / 12 = 6.75 years
- Total interest = $400 x 81 - $28,000 = $4,400