🎓 学生贷款计算器Student Loan Calculator
计算学生贷款的月供、总利息和还清时间；可输入在校期间月数（未补贴贷款在校期间计息并在还款开始时资本化）和每月额外还款。Work out student loan payments, total interest and payoff time; optionally include months in school (unsubsidized interest accrues and is capitalized when repayment starts) and an extra monthly payment.
使用说明与常见问题How-to & FAQ
「学生贷款计算器」是什么？What is the Student Loan Calculator tool?
计算学生贷款的月供、总利息和还清时间；可输入在校期间月数（未补贴贷款在校期间计息并在还款开始时资本化）和每月额外还款。Work out student loan payments, total interest and payoff time; optionally include months in school (unsubsidized interest accrues and is capitalized when repayment starts) and an extra monthly payment.
如何使用「学生贷款计算器」？How do I use the Student Loan Calculator tool?
在「学生贷款计算器」中，填写「贷款本金」、「年利率 %（默认 6.52% = 2026–27 联邦本科直贷利率）」、「还款年限」、「贷款类型」、「在校/宽限期月数」等参数，结果会随输入实时计算并显示在下方。In the Student Loan Calculator: Fill in "Loan balance", "Interest rate % (default 6.52% = 2026–27 federal undergraduate Direct Loan rate)", "Repayment term (years)", "Loan type", "Months in school/grace"; results are recalculated instantly as you type.
在校期间的利息怎么处理？What happens to interest while in school?
美国联邦补贴贷款（Subsidized）在校期间由政府付息；未补贴贷款（Unsubsidized）和多数私人贷款在校期间按单利计息，进入还款期时并入本金（资本化），之后对新本金计息。在“贷款类型”中选择补贴贷款时，在校期间不计息。For US Direct Subsidized loans the government pays interest while you are in school; Unsubsidized and most private loans accrue simple interest that is capitalized (added to principal) when repayment begins. Choosing Federal subsidized under Loan type turns off in-school interest.
标准还款计划是多少年？What is the standard repayment term?
美国联邦学生贷款标准计划为 10 年等额还款；收入驱动型（IDR）计划按收入确定月供，本工具不模拟。默认利率 6.52% 是 2026 年 7 月 1 日至 2027 年 6 月 30 日首次发放的联邦本科直接贷款（补贴和未补贴相同）的固定利率（美国教育部 FSA 2026 年 6 月公告）；研究生未补贴贷款为 8.07%，PLUS 贷款为 9.07%。更早发放的贷款利率不同，请以你的贷款合同为准。The US federal standard plan is 10 years of level payments; income-driven plans set payments by income and are not modelled. The default 6.52% is the fixed rate for federal undergraduate Direct Loans (subsidized and unsubsidized) first disbursed July 1, 2026 to June 30, 2027 (US Department of Education FSA announcement, June 2026); graduate unsubsidized loans are 8.07% and PLUS loans 9.07%. Older loans carry different rates, so use the rate on your loan.
额外还款有什么用？Do extra payments help?
额外金额直接冲减本金，可以缩短还款时间、减少总利息；联邦贷款提前还款没有罚金。Extra amounts reduce principal directly, shortening the term and cutting interest; US federal loans have no prepayment penalty.
计算结果可以作为最终依据吗？Can I rely on the result?
「学生贷款计算器」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The Student Loan Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「学生贷款计算器」免费吗？需要注册吗？Is the Student Loan Calculator free? Do I need an account?
「学生贷款计算器」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The Student Loan Calculator is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.