I-Calculator ye-Student Loan
Linganisa imali engenayo ngayinye nenzuzo ephelele yemali yokufunda.
Iziphetho zivuselelwa uma ubhala.
Malunga nale khadi
A student loan calculator works out the fixed monthly repayment and total interest on a student loan from the balance, interest rate and repayment term. The standard repayment plan is a 10-year amortising schedule; a longer term lowers each payment but adds a lot of interest over the life of the loan.
It applies the usual amortisation formula, splitting each payment between interest on the remaining balance and principal. For example, a 30,000 balance at 5.5% over 10 years costs about 326 a month, with roughly 9,100 of total interest. An optional extra monthly payment goes straight to principal, shortening the term and cutting that interest.
Use it to plan repayments after graduation, to compare the standard 10-year plan with a longer term, or to see how much interest an extra payment saves. It models a single fixed-rate loan; income-driven plans, forgiveness programs and variable rates work differently and are not captured here.
Imibuzo ebuzwa kaningi
Ukhokhwa kanjani umholo wemali yokufunda?
Isebenzisa ifomu elijwayelekile lokukhokha izindleko ezijwayelekile ngemali ekhona, isilinganiso kanye nesikhathi, enikeza ukukhokha okufanayo ngenyanga ngayinye. Imali ekhona engu-30,000 nge-5.5% eminyakeni eyisi-10 ilingana no-326 ngenyanga.
Ingabe kufanele ngilungise isikhathi sokwehla kwezindleko?
Ukudlulisa iminyaka engu-20 noma engu-25 kunciphisa inkokhelo yenyanga kodwa kungaphindeka inkokhelo yakho. Uma ukuphuma kwemali kukuvumela, isikhathi esincane noma inkokhelo engaphezulu igcina imali eningi.
Ngingayikhokha kanjani imali yokufunda ngokushesha?
Engeza inani elingeziwe kunoma iyiphi inkokhelo noma yenza inkokhelo eyodwa-off lump-sum ebhekene nesisekelo - isigaba se-inkokhelo engaphezulu sibonisa amasonto nenzuzo egcinwe. Ukugxila ku-highest-rate loan kuqala, noma ukubuyiselwa imali ku-rate ephansi, futhi kusheshisa ukukhokha.
Ingabe kufanele ngiphinde ngikhokhele izifundo zami?
Ukubuyiselwa kwemali ku-rate ephansi kususa intshisekelo futhi kunganciphisa isikhathi, okuzobonisa ukuthi i-rate iphansi. Kodwa ukubuyiselwa kwemali ku-federal loan ku-private loan kususa ukuvikelwa kwe-federal njenge-income-driven repayment ne-pardon, ngakho ubeke kahle.
Ukubalwa kanjani umholo ku-loan yezingane?
Iningi lezimali zama-student loan lithola izimali zonyaka ngosuku ngalunye ku-balance ekhona futhi likhokhwa ngenyanga. Le calculator isebenzisa izimali zonyaka ezijwayelekile, ngakho-ke izikweletu eziqaleni ziyizimali zonyaka kanti ezizayo ziyizimali eziyinhloko.
Yini ushintsho phakathi kwezimali ezixhaswe ngezimali nezimali ezingaxhaswa ngezimali?
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API — sebenzisa le calculator kusuka kukhodi
Nquma le calculator njenge JSON evulekile yendawo yokuqeda - akukho isithonjana esidingekayo. Thumela amaxabiso endawo ngezansi njengezilungiselelo zombuzo noma i-JSON. Noma yini ongayishiya isebenzisa iphutha elifanayo elifakwe ngaphambili lekhasi; ipharamitha engaziwa yi-400, ayikho i-zero emnyama. Funda i-API egcwele →
Ingxenye yendawo
GET https://calculator.free/api/v1/student-loan/curl
curl "https://calculator.free/api/v1/student-loan/?balance=30000&rate=5.5&years=10"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/student-loan/?" + new URLSearchParams({
"balance": "30000",
"rate": "5.5",
"years": "10"
}));
const data = await r.json();
console.log(data.results);Izibalo ziyisilinganiso esisetshenziswa ukuqondisa kuphela, hhayi ukucebisa ngezimali, ukwelashwa noma ukukhokha.