Student Educational Loan Repayment Estimator
Help graduating students understand their loan repayment timeline — calculate monthly installments, total interest, and payoff date for financial aid counselling sessions.
Runs entirely in your browser · No login · No data uploaded
Enter the loan details and click Calculate Repayment Plan.
How to Calculate a Loan Repayment Plan in 3 Steps
Follow these steps to get results in under a minute
How Loan Repayment Estimator Compares
vs spreadsheets, manual processes, and paid platforms
| Feature | UniCloud360Loan Repayment Estimator | Manual Calculation | Bank Provided Estimate | Financial Calculator App |
|---|---|---|---|---|
| Full amortisation schedule | Month-by-month | Manual arithmetic | Summary only | Limited rows |
| Grace period support | Configurable months | Fixed by bank | Not always shown | Config required |
| Student-named printable plan | Named PDF/print | Generic only | Bank letterhead only | No print |
| Total interest calculation | Exact amount | Manual calculation | Yes | Yes |
| Works offline / no login | Browser only | Yes | Sometimes | App required |
| Cost | Free forever | Bank visit required | Free | Paid app |
What Financial Aid Officers Are Saying
Trusted by lecturers and students across Sri Lankan universities
"We do 200+ loan counselling sessions each graduation cycle. Previously I'd pull up a bank calculator on my phone and explain the numbers verbally. Now I enter the details, show the student the full schedule on screen, and print a personalised plan they take home. The difference in understanding is remarkable."
"The grace period field is the one feature that makes this genuinely useful for educational loans. Most student loans have a 6-12 month grace period after graduation — banks rarely show this properly in their calculators."
"Students are much more likely to repay on time when they understand exactly what they owe each month and when the loan ends. The visual breakdown of interest vs principal over time changes the conversation from anxiety to planning."
"The printed plan has the student's name, the exact monthly payment, the total interest, and the payoff date. Students sign the plan and keep it — we've noticed it gets referenced more than any other document we give them."