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Important Note: You may use the Loan Capitalization Calculator without logging in or registering. However, you will not be able to save your information. If you would like to enable the save functionality, you must first Log-in or Register.

Calculator Inputs

This calculator is intended to help borrowers understand the financial implications of capitalizing interest (by deferring interest payments) on a student loan. It is designed to calculate the increased cost of a loan that capitalizes interest while the student attends college.

Amount of Loan (Principal): $
Annual Interest Rate: %
Term of Loan: Years
Deferment Period
(Months until Repayment Begins):
Interest Capitalizes:
Minimum Monthly Payment: $


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