Estimate the standard fixed payment and lifetime interest for a student-loan balance using a stated rate and repayment term.
ལན་ཧ་གོ
འདི་ག་དེ་སྦེ་རྩིས་རྐྱབ་ཨིན་ན?
This is a standard amortization estimate. It does not model income-driven repayment, capitalization, deferment, forgiveness, subsidies or changing rates.
Standard student-loan payment formulaPayment = P × r(1 + r)ⁿ ÷ ((1 + r)ⁿ − 1)
ལག་ལེན་གྱི་དཔེ་ཅིག
A $35,000 balance at 5.5% over 10 years has an estimated payment near $380 per month and about $10,580 in total interest.
རྩིས་བཏོན་གྲུབ་འབྲས
Student loan balance
ལོ་བསྟར་སྐྱེད་ཚད
རྩིས་བཏོན་གྲུབ་འབྲས
$28,000.00
6.5%
$317.93
$35,000.00
6.5%
$397.42
$42,000.00
6.5%
$476.90
ཚོད་རྩིས་ གོ་དོན་བཀྲལ་ཐངས་ དང་འཛོལ་བ་སྤྱིར་བཏང་
རྩིས་ཀྱི་ཚོད་རྩིས
Rates and recurring amounts stay constant for the period represented by the formula.
Inputs use the same monthly or annual time basis stated in each field label.
Taxes, fees and contractual rules are excluded unless the calculator explicitly asks for them.
གྲུབ་འབྲས་གོ་དོན་ག་དེ་སྦེ་བཀྲལ་ནི
Use the headline as a planning estimate and compare it with the detailed totals.
Run a baseline plus favorable and conservative scenarios before deciding.
Confirm important results against a lender, payroll statement, tax authority or signed contract as applicable.
སྤང་དགོ་པའི་འཛོལ་བ་སྤྱིར་བཏང་
Mixing annual rates with monthly amounts or entering a percentage as a decimal.
Leaving out fees, taxes, changing rates or timing differences that apply to the real decision.
Treating approval guidelines, market returns or future appreciation as guarantees.