免费助学贷款计算器
计算助学贷款的月供和还款计划，比较不同还款方案以减轻还贷负担。
USD
%
每月还款额
$379.84
Total Repaid$45,581.04
总利息$10,581.04
Principal
Total Interest
Monthly Payment vs Interest Rate
公式
Student Loan Payment Formula
Uses the standard amortization formula:
M = P × [r(1+r)^n] / [(1+r)^n - 1]
Federal student loans typically use a 10-year standard repayment plan.
计算示例
$35,000 in student loans at 5.5% over 10 years.
- 01Monthly rate = 5.5% / 12 = 0.4583%
- 02Payments = 10 × 12 = 120
- 03Monthly payment = $379.61
- 04Total repaid = $379.61 × 120 = $45,553
- 05Total interest = $45,553 - $35,000 = $10,553
常见问题
What is the standard repayment plan?
The federal standard plan is 10 years (120 payments). Income-driven plans extend to 20-25 years with lower payments.
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