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Student Loan Calculator

Student Loan Calculator on Microsoft Excel

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Student Loan Calculator

  1. 1. Student Loan Payments and Finance Total of all Loans $10,000 Interest Rate 4.00% Payback Period 10 Years v. Monthly Payment $101.25 Total Payments $12,149.42 Total Finance Cost $2,149.42 Net Finance Cost for a Borrower in the $1,827.00
  2. 2. ts and Finance Costs 15 Years $73.97 $13,314.38 $3,314.38 15% tax bracket $2,817.23
  3. 3. Student Loan Calculator Year Education will be completed 2004 If your Adjusted Gross Income is Loan Balance at Completion $19,500 less than * $65,000 payments on qualified loans are deductable as Interest Rate 6.25% an adjustment to income (even if you don't itemize Years to Pay Back 10 Thus, if you are in the (Most Student Loans have a 10 year period) marginal tax bracket, your net Your Monthly Payment will Be $218.95 cost over the ten year payback period will be Total Payments $26,273.54 Total Interest $6,773.54 Interest in Year 2004 $1,177.69 2005 $1,084.45 2006 $985.20 2007 $879.58 2008 $767.16 2009 $647.51 2010 $520.16 2011 $384.62 2012 $240.36 2013 $86.83 Total NET Interest Interest Cost Saving * For a joint return the limit is $130,000 ** AGI of less than $27,950 has a marginal rate o f 15% $19,500 19500 19500 19500 19500 19500 19500 19500 ($117.38) ($124.93) ($132.97) ($141.52) ($150.63) ($160.31) ($170.63) ($181.60) ($118.00) ($125.58) ($133.66) ($142.26) ($151.41) ($161.15) ($171.51) ($182.55) ($118.61) ($126.24) ($134.36) ($143.00) ($152.20) ($161.99) ($172.41) ($183.50) ($119.23) ($126.90) ($135.06) ($143.75) ($152.99) ($162.83) ($173.31) ($184.45) ($119.85) ($127.56) ($135.76) ($144.49) ($153.79) ($163.68) ($174.21) ($185.41) ($120.47) ($128.22) ($136.47) ($145.25) ($154.59) ($164.53) ($175.12) ($186.38) ($121.10) ($128.89) ($137.18) ($146.00) ($155.39) ($165.39) ($176.03) ($187.35) ($121.73) ($129.56) ($137.89) ($146.76) ($156.20) ($166.25) ($176.94) ($188.33) ($122.36) ($130.24) ($138.61) ($147.53) ($157.02) ($167.12) ($177.87) ($189.31) ($123.00) ($130.91) ($139.33) ($148.30) ($157.84) ($167.99) ($178.79) ($190.29) ($123.64) ($131.60) ($140.06) ($149.07) ($158.66) ($168.86) ($179.72) ($191.28) ($124.29) ($132.28) ($140.79) ($149.85) ($159.48) ($169.74) ($180.66) ($192.28) $1,449.66 $1,542.91 $1,642.15 $1,747.78 $1,860.20 $1,979.85 $2,107.20 $2,242.74 1 13 25 37 49 61 73 85 2 14 26 38 50 62 74 86 3 15 27 39 51 63 75 87 4 16 28 40 52 64 76 88 5 17 29 41 53 65 77 89 6 18 30 42 54 66 78 90 7 19 31 43 55 67 79 91 8 20 32 44 56 68 80 92 9 21 33 45 57 69 81 93 10 22 34 46 58 70 82 94 11 23 35 47 59 71 83 95 12 24 36 48 60 72 84 96
  4. 4. d Gross Income is your interest ualified loans are deductable as to income (even if you don't itemize) 15.0% ** racket, your net interest ten year payback period will be $1,001.04 $921.78 $837.42 $747.64 $652.08 $550.38 $442.13 $326.93 $204.31 $73.80 $5,757.51 $1,016.03 has a marginal rate o f 15% 19500 19500 ($193.28) ($205.71) ($194.29) ($206.79) ($195.30) ($207.86) ($196.32) ($208.95) ($197.34) ($210.03) ($198.37) ($211.13) ($199.40) ($212.23) ($200.44) ($213.33) ($201.48) ($214.44) ($202.53) ($215.56) ($203.59) ($216.68) ($204.65) ($217.81) $2,386.99 $2,540.53 $19,500.00 97 109 98 110 99 111 100 112 101 113 102 114 103 115 104 116 105 117 106 118 107 119 108 120

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