Finance Tools
Student Loan APR Calculator
Estimate a fee-adjusted APR for a student loan by accounting for origination and upfront fees and net disbursement.
Estimate the APR of a student loan by accounting for fees that reduce the amount you actually receive (net disbursement). If you know your monthly payment from a servicer offer, enter it. Otherwise, we’ll estimate payment using the note rate.
How to use this student loan apr calculator
- Enter the loan principal and repayment term.
- Enter the note rate (or provide your actual monthly payment if you have an offer).
- Add any origination or upfront fees to compute your net disbursed amount.
- Calculate to estimate a fee-adjusted APR and compare offers more accurately.
Example
If you borrow $25,000 with a 1% origination fee, this tool helps estimate the APR impact of fees by comparing payments to the net amount received.
- Net disbursed amount after fees
- Fee-adjusted APR estimate
- Total repaid and total interest
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