O guia abaixo ainda não está disponível em português e é apresentado em inglês. A calculadora está totalmente traduzida.
Como usar esta calculadora
- Enter your total loan balance and interest rate.
- Enter the repayment term (10 years is the US federal standard plan) and the grace period before payments start.
- Tick 'subsidized' if the government pays the interest during school and grace (US Direct Subsidized Loans).
- Optionally add an extra monthly payment.
Fórmula
For unsubsidized loans, simple interest accrues during the grace period and is capitalized, so it's added to the balance you repay. The monthly payment then follows the standard amortization formula.
Accrued = balance × rate / 12 × grace months
Payment = P × r / (1 − (1 + r)^−n), with P = balance + accrued
Example
- $30,000 at 6.39%, 6-month grace period, unsubsidized.
- Accrued interest = 30,000 × 0.0639 / 12 × 6 = $958.50, so repayment starts at $30,958.50.
- Over 10 years the payment is about $350 per month.
Perguntas frequentes
What about income-driven repayment plans?
Income-driven plans set payments as a share of discretionary income and can forgive remaining balances. Their rules change often; check studentaid.gov or your country's loan servicer.
Is interest capitalized on all loans?
It depends on the loan type and country. Many private loans capitalize unpaid interest when repayment begins; some federal rules have changed in recent years.
Should I pay interest during school?
Paying accrued interest before it's capitalized reduces the amount you'll owe interest on later.