Y2C Loan Refi & Prepay Calculator
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1
LOAN F
Original Federal loan
LOAN R
Refinanced loan
2
Additional Monthly Payment
$257.76Principal$140,000Principal$140,000
3
Payoff Months Early
11Interest6.00%Interest2.00%
4
Total Savings$23,022Term (years)7Term (years)7
5
6
7
MonthPaymentInterestPrincipalPaymentAdditional Pmt.InterestPrincipalMonth
8
0$0$0$140,000$0$0$0$140,0000
9
1$2,045.20$700$138,655$1,787.44$258$233$138,1881
10
2$2,045.20$693$137,303$1,787.44$258$230$136,3732
11
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3$2,045.20$687$135,944$1,787.44$258$227$134,5553
12
4$2,045.20$680$134,579$1,787.44$258$224$132,7344
13
5$2,045.20$673$133,206$1,787.44$258$221$130,9105
14
6$2,045.20$666$131,827$1,787.44$258$218$129,0836
15
7$2,045.20$659$130,441$1,787.44$258$215$127,2537
16
8$2,045.20$652$129,048$1,787.44$258$212$125,4208
17
9$2,045.20$645$127,648$1,787.44$258$209$123,5849
18
10$2,045.20$638$126,241$1,787.44$258$206$121,74510
19
11$2,045.20$631$124,827$1,787.44$258$203$119,90311
20
12$2,045.20$624$123,406$1,787.44$258$200$118,05712
21
13$2,045.20$617$121,978$1,787.44$258$197$116,20913
22
14$2,045.20$610$120,543$1,787.44$258$194$114,35714
23
15$2,045.20$603$119,100$1,787.44$258$191$112,50315
24
16$2,045.20$596$117,651$1,787.44$258$188$110,64516
25
17$2,045.20$588$116,194$1,787.44$258$184$108,78417
26
18$2,045.20$581$114,729$1,787.44$258$181$106,92018
27
19$2,045.20$574$113,258$1,787.44$258$178$105,05319
28
20$2,045.20$566$111,779$1,787.44$258$175$103,18320
29
21$2,045.20$559$110,293$1,787.44$258$172$101,31021
30
22$2,045.20$551$108,799$1,787.44$258$169$99,43422
31
23$2,045.20$544$107,298$1,787.44$258$166$97,55423
32
24$2,045.20$536$105,789$1,787.44$258$163$95,67224
33
25$2,045.20$529$104,273$1,787.44$258$159$93,78625
34
26$2,045.20$521$102,749$1,787.44$258$156$91,89726
35
27$2,045.20$514$101,217$1,787.44$258$153$90,00527
36
28$2,045.20$506$99,678$1,787.44$258$150$88,11028
37
29$2,045.20$498$98,132$1,787.44$258$147$86,21129
38
30$2,045.20$491$96,577$1,787.44$258$144$84,31030
39
31$2,045.20$483$95,015$1,787.44$258$141$82,40531
40
32$2,045.20$475$93,445$1,787.44$258$137$80,49732
41
33$2,045.20$467$91,867$1,787.44$258$134$78,58633
42
34$2,045.20$459$90,281$1,787.44$258$131$76,67234
43
35$2,045.20$451$88,687$1,787.44$258$128$74,75535
44
36$2,045.20$443$87,085$1,787.44$258$125$72,83436
45
37$2,045.20$435$85,475$1,787.44$258$121$70,91037
46
38$2,045.20$427$83,858$1,787.44$258$118$68,98338
47
39$2,045.20$419$82,232$1,787.44$258$115$67,05339
48
40$2,045.20$411$80,598$1,787.44$258$112$65,12040
49
41$2,045.20$403$78,955$1,787.44$258$109$63,18341
50
42$2,045.20$395$77,305$1,787.44$258$105$61,24342
51
43$2,045.20$387$75,646$1,787.44$258$102$59,30043
52
44$2,045.20$378$73,979$1,787.44$258$99$57,35344
53
45$2,045.20$370$72,304$1,787.44$258$96$55,40445
54
46$2,045.20$362$70,620$1,787.44$258$92$53,45146
55
47$2,045.20$353$68,928$1,787.44$258$89$51,49547
56
48$2,045.20$345$67,228$1,787.44$258$86$49,53648
57
49$2,045.20$336$65,519$1,787.44$258$83$47,57349
58
50$2,045.20$328$63,801$1,787.44$258$79$45,60750
59
51$2,045.20$319$62,075$1,787.44$258$76$43,63851
60
52$2,045.20$310$60,340$1,787.44$258$73$41,66552
61
53$2,045.20$302$58,597$1,787.44$258$69$39,69053
62
54$2,045.20$293$56,844$1,787.44$258$66$37,71054
63
55$2,045.20$284$55,083$1,787.44$258$63$35,72855
64
56$2,045.20$275$53,314$1,787.44$258$60$33,74256
65
57$2,045.20$267$51,535$1,787.44$258$56$31,75457
66
58$2,045.20$258$49,747$1,787.44$258$53$29,76158
67
59$2,045.20$249$47,951$1,787.44$258$50$27,76659
68
60$2,045.20$240$46,146$1,787.44$258$46$25,76760
69
61$2,045.20$231$44,331$1,787.44$258$43$23,76461
70
62$2,045.20$222$42,508$1,787.44$258$40$21,75962
71
63$2,045.20$213$40,675$1,787.44$258$36$19,75063
72
64$2,045.20$203$38,833$1,787.44$258$33$17,73864
73
65$2,045.20$194$36,982$1,787.44$258$30$15,72265
74
66$2,045.20$185$35,122$1,787.44$258$26$13,70366
75
67$2,045.20$176$33,252$1,787.44$258$23$11,68167
76
68$2,045.20$166$31,373$1,787.44$258$19$9,65568
77
69$2,045.20$157$29,485$1,787.44$258$16$7,62669
78
70$2,045.20$147$27,587$1,787.44$258$13$5,59370
79
71$2,045.20$138$25,680$1,787.44$258$9$3,55871
80
72$2,045.20$128$23,763$1,787.44$258$6$1,51872
81
73$2,045.20$119$21,837$1,521$0$3$073
82
74$2,045.20$109$19,901$0$0$0$074
83
75$2,045.20$100$17,955$0$0$0$075
84
76$2,045.20$90$15,999$0$0$0$076
85
77$2,045.20$80$14,034$0$0$0$077
86
78$2,045.20$70$12,059$0$0$0$078
87
79$2,045.20$60$10,074$0$0$0$079
88
80$2,045.20$50$8,080$0$0$0$080
89
81$2,045.20$40$6,075$0$0$0$081
90
82$2,045.20$30$4,060$0$0$0$082
91
83$2,045.20$20$2,035$0$0$0$083
92
84$2,045$10$0$0$0$0$084
93
85$0$0$0$0$0$0$085
94
86$0$0$0$0$0$0$086
95
87$0$0$0$0$0$0$087
96
88$0$0$0$0$0$0$088
97
89$0$0$0$0$0$0$089
98
90$0$0$0$0$0$0$090
99
91$0$0$0$0$0$0$091
100
92$0$0$0$0$0$0$092
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