Y2C Loan Refi & Prepay Calculator
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1
LOAN F
Original Federal loan
LOAN R
Refinanced loan
2
Additional Monthly Payment
$149.38Principal$85,000Principal$85,000
3
Payoff Months Early
20Interest6.57%Interest2.95%
4
Total Savings$20,314Term (years)10Term (years)10
5
6
7
MonthPaymentInterestPrincipalPaymentAdditional Pmt.InterestPrincipalMonth
8
0$0$0$85,000$0$0$0$85,0000
9
1$968.19$465$84,497$818.81$149$209$84,2411
10
2$968.19$463$83,992$818.81$149$207$83,4802
11
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3$968.19$460$83,483$818.81$149$205$82,7173
12
4$968.19$457$82,972$818.81$149$203$81,9524
13
5$968.19$454$82,458$818.81$149$201$81,1855
14
6$968.19$451$81,942$818.81$149$200$80,4176
15
7$968.19$449$81,422$818.81$149$198$79,6467
16
8$968.19$446$80,900$818.81$149$196$78,8748
17
9$968.19$443$80,374$818.81$149$194$78,0999
18
10$968.19$440$79,846$818.81$149$192$77,32310
19
11$968.19$437$79,315$818.81$149$190$76,54511
20
12$968.19$434$78,781$818.81$149$188$75,76512
21
13$968.19$431$78,244$818.81$149$186$74,98313
22
14$968.19$428$77,705$818.81$149$184$74,19914
23
15$968.19$425$77,162$818.81$149$182$73,41315
24
16$968.19$422$76,616$818.81$149$180$72,62616
25
17$968.19$419$76,067$818.81$149$179$71,83617
26
18$968.19$416$75,516$818.81$149$177$71,04518
27
19$968.19$413$74,961$818.81$149$175$70,25119
28
20$968.19$410$74,403$818.81$149$173$69,45520
29
21$968.19$407$73,842$818.81$149$171$68,65821
30
22$968.19$404$73,278$818.81$149$169$67,85922
31
23$968.19$401$72,711$818.81$149$167$67,05723
32
24$968.19$398$72,141$818.81$149$165$66,25424
33
25$968.19$395$71,568$818.81$149$163$65,44925
34
26$968.19$392$70,992$818.81$149$161$64,64126
35
27$968.19$389$70,412$818.81$149$159$63,83227
36
28$968.19$386$69,830$818.81$149$157$63,02128
37
29$968.19$382$69,244$818.81$149$155$62,20829
38
30$968.19$379$68,655$818.81$149$153$61,39230
39
31$968.19$376$68,062$818.81$149$151$60,57531
40
32$968.19$373$67,467$818.81$149$149$59,75632
41
33$968.19$369$66,868$818.81$149$147$58,93433
42
34$968.19$366$66,266$818.81$149$145$58,11134
43
35$968.19$363$65,660$818.81$149$143$57,28635
44
36$968.19$359$65,052$818.81$149$141$56,45836
45
37$968.19$356$64,440$818.81$149$139$55,62937
46
38$968.19$353$63,824$818.81$149$137$54,79838
47
39$968.19$349$63,206$818.81$149$135$53,96439
48
40$968.19$346$62,583$818.81$149$133$53,12940
49
41$968.19$343$61,958$818.81$149$131$52,29141
50
42$968.19$339$61,329$818.81$149$129$51,45142
51
43$968.19$336$60,697$818.81$149$126$50,61043
52
44$968.19$332$60,061$818.81$149$124$49,76644
53
45$968.19$329$59,421$818.81$149$122$48,92045
54
46$968.19$325$58,778$818.81$149$120$48,07246
55
47$968.19$322$58,132$818.81$149$118$47,22247
56
48$968.19$318$57,482$818.81$149$116$46,37048
57
49$968.19$315$56,829$818.81$149$114$45,51649
58
50$968.19$311$56,172$818.81$149$112$44,66050
59
51$968.19$308$55,511$818.81$149$110$43,80151
60
52$968.19$304$54,847$818.81$149$108$42,94152
61
53$968.19$300$54,179$818.81$149$106$42,07853
62
54$968.19$297$53,507$818.81$149$103$41,21354
63
55$968.19$293$52,832$818.81$149$101$40,34655
64
56$968.19$289$52,153$818.81$149$99$39,47756
65
57$968.19$286$51,470$818.81$149$97$38,60657
66
58$968.19$282$50,784$818.81$149$95$37,73358
67
59$968.19$278$50,094$818.81$149$93$36,85859
68
60$968.19$274$49,400$818.81$149$91$35,98060
69
61$968.19$270$48,702$818.81$149$88$35,10061
70
62$968.19$267$48,001$818.81$149$86$34,21862
71
63$968.19$263$47,295$818.81$149$84$33,33463
72
64$968.19$259$46,586$818.81$149$82$32,44864
73
65$968.19$255$45,873$818.81$149$80$31,56065
74
66$968.19$251$45,156$818.81$149$78$30,66966
75
67$968.19$247$44,435$818.81$149$75$29,77667
76
68$968.19$243$43,710$818.81$149$73$28,88168
77
69$968.19$239$42,981$818.81$149$71$27,98469
78
70$968.19$235$42,248$818.81$149$69$27,08570
79
71$968.19$231$41,511$818.81$149$67$26,18371
80
72$968.19$227$40,771$818.81$149$64$25,27972
81
73$968.19$223$40,026$818.81$149$62$24,37373
82
74$968.19$219$39,277$818.81$149$60$23,46574
83
75$968.19$215$38,523$818.81$149$58$22,55475
84
76$968.19$211$37,766$818.81$149$55$21,64276
85
77$968.19$207$37,005$818.81$149$53$20,72777
86
78$968.19$203$36,239$818.81$149$51$19,80978
87
79$968.19$198$35,469$818.81$149$49$18,89079
88
80$968.19$194$34,695$818.81$149$46$17,96880
89
81$968.19$190$33,917$818.81$149$44$17,04481
90
82$968.19$186$33,135$818.81$149$42$16,11882
91
83$968.19$181$32,348$818.81$149$40$15,18983
92
84$968.19$177$31,557$818.81$149$37$14,25884
93
85$968.19$173$30,761$818.81$149$35$13,32585
94
86$968.19$168$29,962$818.81$149$33$12,39086
95
87$968.19$164$29,157$818.81$149$30$11,45287
96
88$968.19$160$28,349$818.81$149$28$10,51288
97
89$968.19$155$27,536$818.81$149$26$9,57089
98
90$968.19$151$26,718$818.81$149$24$8,62590
99
91$968.19$146$25,897$818.81$149$21$7,67891
100
92$968.19$142$25,070$818.81$149$19$6,72992
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