Y2C Loan Refi & Prepay Calculator
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1
LOAN F
Original Federal loan
LOAN R
Refinanced loan
2
Additional Monthly Payment
$29.48Principal$12,200Principal$12,200
3
Payoff Months Early
3Interest5.00%Interest4.25%
4
Total Savings$491Term (years)8Term (years)10
5
6
7
MonthPaymentInterestPrincipalPaymentAdditional Pmt.InterestPrincipalMonth
8
0$0$0$12,200$0$0$0$12,2000
9
1$154.45$51$12,096$124.97$29$43$12,0891
10
2$154.45$50$11,992$124.97$29$43$11,9772
11
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3$154.45$50$11,888$124.97$29$42$11,8653
12
4$154.45$50$11,783$124.97$29$42$11,7534
13
5$154.45$49$11,678$124.97$29$42$11,6405
14
6$154.45$49$11,572$124.97$29$41$11,5276
15
7$154.45$48$11,466$124.97$29$41$11,4137
16
8$154.45$48$11,359$124.97$29$40$11,2998
17
9$154.45$47$11,252$124.97$29$40$11,1859
18
10$154.45$47$11,144$124.97$29$40$11,07010
19
11$154.45$46$11,036$124.97$29$39$10,95411
20
12$154.45$46$10,928$124.97$29$39$10,83912
21
13$154.45$46$10,819$124.97$29$38$10,72313
22
14$154.45$45$10,709$124.97$29$38$10,60614
23
15$154.45$45$10,600$124.97$29$38$10,48915
24
16$154.45$44$10,489$124.97$29$37$10,37216
25
17$154.45$44$10,379$124.97$29$37$10,25417
26
18$154.45$43$10,267$124.97$29$36$10,13618
27
19$154.45$43$10,156$124.97$29$36$10,01819
28
20$154.45$42$10,044$124.97$29$35$9,89920
29
21$154.45$42$9,931$124.97$29$35$9,77921
30
22$154.45$41$9,818$124.97$29$35$9,65922
31
23$154.45$41$9,704$124.97$29$34$9,53923
32
24$154.45$40$9,590$124.97$29$34$9,41924
33
25$154.45$40$9,476$124.97$29$33$9,29725
34
26$154.45$39$9,361$124.97$29$33$9,17626
35
27$154.45$39$9,245$124.97$29$32$9,05427
36
28$154.45$39$9,129$124.97$29$32$8,93228
37
29$154.45$38$9,013$124.97$29$32$8,80929
38
30$154.45$38$8,896$124.97$29$31$8,68630
39
31$154.45$37$8,779$124.97$29$31$8,56231
40
32$154.45$37$8,661$124.97$29$30$8,43832
41
33$154.45$36$8,543$124.97$29$30$8,31333
42
34$154.45$36$8,424$124.97$29$29$8,18834
43
35$154.45$35$8,304$124.97$29$29$8,06335
44
36$154.45$35$8,184$124.97$29$29$7,93736
45
37$154.45$34$8,064$124.97$29$28$7,81037
46
38$154.45$34$7,943$124.97$29$28$7,68438
47
39$154.45$33$7,822$124.97$29$27$7,55639
48
40$154.45$33$7,700$124.97$29$27$7,42940
49
41$154.45$32$7,578$124.97$29$26$7,30141
50
42$154.45$32$7,455$124.97$29$26$7,17242
51
43$154.45$31$7,331$124.97$29$25$7,04343
52
44$154.45$31$7,208$124.97$29$25$6,91344
53
45$154.45$30$7,083$124.97$29$24$6,78345
54
46$154.45$30$6,958$124.97$29$24$6,65346
55
47$154.45$29$6,833$124.97$29$24$6,52247
56
48$154.45$28$6,707$124.97$29$23$6,39148
57
49$154.45$28$6,580$124.97$29$23$6,25949
58
50$154.45$27$6,453$124.97$29$22$6,12750
59
51$154.45$27$6,326$124.97$29$22$5,99451
60
52$154.45$26$6,198$124.97$29$21$5,86152
61
53$154.45$26$6,069$124.97$29$21$5,72753
62
54$154.45$25$5,940$124.97$29$20$5,59354
63
55$154.45$25$5,810$124.97$29$20$5,45855
64
56$154.45$24$5,680$124.97$29$19$5,32356
65
57$154.45$24$5,549$124.97$29$19$5,18857
66
58$154.45$23$5,418$124.97$29$18$5,05158
67
59$154.45$23$5,286$124.97$29$18$4,91559
68
60$154.45$22$5,153$124.97$29$17$4,77860
69
61$154.45$21$5,020$124.97$29$17$4,64061
70
62$154.45$21$4,887$124.97$29$16$4,50262
71
63$154.45$20$4,753$124.97$29$16$4,36463
72
64$154.45$20$4,618$124.97$29$15$4,22564
73
65$154.45$19$4,483$124.97$29$15$4,08565
74
66$154.45$19$4,347$124.97$29$14$3,94566
75
67$154.45$18$4,211$124.97$29$14$3,80567
76
68$154.45$18$4,074$124.97$29$13$3,66468
77
69$154.45$17$3,936$124.97$29$13$3,52269
78
70$154.45$16$3,798$124.97$29$12$3,38070
79
71$154.45$16$3,660$124.97$29$12$3,23871
80
72$154.45$15$3,521$124.97$29$11$3,09572
81
73$154.45$15$3,381$124.97$29$11$2,95173
82
74$154.45$14$3,240$124.97$29$10$2,80774
83
75$154.45$14$3,099$124.97$29$10$2,66375
84
76$154.45$13$2,958$124.97$29$9$2,51876
85
77$154.45$12$2,816$124.97$29$9$2,37277
86
78$154.45$12$2,673$124.97$29$8$2,22678
87
79$154.45$11$2,530$124.97$29$8$2,08079
88
80$154.45$11$2,386$124.97$29$7$1,93380
89
81$154.45$10$2,241$124.97$29$7$1,78581
90
82$154.45$9$2,096$124.97$29$6$1,63782
91
83$154.45$9$1,951$124.97$29$6$1,48883
92
84$154.45$8$1,804$124.97$29$5$1,33984
93
85$154.45$8$1,657$124.97$29$5$1,18985
94
86$154.45$7$1,510$124.97$29$4$1,03986
95
87$154.45$6$1,362$124.97$29$4$88887
96
88$154.45$6$1,213$124.97$29$3$73788
97
89$154.45$5$1,063$124.97$29$3$58589
98
90$154.45$4$913$124.97$29$2$43390
99
91$154.45$4$763$124.97$29$2$28091
100
92$154.45$3$611$124.97$29$1$12792
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