Калькулятор студенческого займа для иностранцев

Как использовать этот калькулятор

Сравните условия образовательных кредитов для иностранных студентов в США с поручителем или без.

How the student loan estimate works

The calculator first estimates simple interest during the entered period before repayment and adds that amount to the original principal once. It then applies a fixed-rate amortization formula across the repayment term. This produces an illustrative balance entering repayment, monthly payment, total repayment and total interest.

Example: interest before repayment

On a $30,000 balance at a 12% fixed APR, 12 months of simple accrued interest would be $3,600 in this model. If that interest is added to principal, repayment begins on an estimated $33,600 instead of $30,000. The actual lender may accrue or capitalize interest differently.

Why a private-loan disclosure can differ

A lender may use daily accrual, multiple disbursements, in-school payments, variable rates, fees or different capitalization events. The calculator also does not model deferment, hardship options or exchange-rate effects for a family paying from another country.

Co-signer and no-co-signer comparisons

A co-signer is legally responsible for the debt under the agreement, not merely a reference. A no-co-signer program can still have strict school, degree, visa and underwriting requirements. Compare the final APR, school eligibility, repayment start, co-signer release terms and borrower protections.

Federal Student Aid notes that most foreign citizens are not eligible for U.S. federal student aid, while some eligible noncitizens may qualify. Check current official eligibility guidance, your school’s aid office and our co-signer vs. no-co-signer guide before considering a private loan.

Что нужно учитывать

Этот инструмент не собирает персональные данные, номер SSN или ITIN и служит исключительно для оценки.