# Student Loan Calculator

> Calculate monthly payments for student loans, including the impact of interest capitalization during deferment periods.

Page: https://askcalculators.com/calculator/student-loan-calculator/
Definition: https://askcalculators.com/calculator/student-loan-calculator/definition.json
JSON Schema: https://askcalculators.com/calculator/student-loan-calculator/schema.json
Version: 7.0.0
Maintained by: AskCalculators (software project; not a credentialed reviewer)
Qualified review: pending. Automated checks do not establish professional approval.
Page status: Live
Review status: Pending

## Use
Open the calculator page and enter values. Query-string parameters can restore and bookmark a calculation.
Example: https://askcalculators.com/calculator/student-loan-calculator/?amount=30000&rate=6.8&term=10&deferment=0

## Inputs
- amount: Loan Amount; type=number; optional; default=30000
- rate: Interest Rate; type=number; optional; default=6.8
- term: Loan Term (Years); type=number; optional; default=10
- deferment: Deferment Period (Years); type=number; optional; default=0

## Outputs
- result: Result; format=text; primary

## Formula
Monthly payment uses the installment-loan formula; total paid = payment × months and total interest = total paid − principal.

## Rules
- Empty optional inputs are undefined, not zero.
- Hidden conditional inputs are ignored.
- Do not invent missing required inputs.