{"id":186572,"date":"2026-02-02T08:44:49","date_gmt":"2026-02-02T06:44:49","guid":{"rendered":"https:\/\/www.regenesys.net\/reginsights\/?p=186572"},"modified":"2026-02-27T13:49:36","modified_gmt":"2026-02-27T11:49:36","slug":"how-to-calculate-student-loan-payment","status":"publish","type":"post","link":"https:\/\/www.regenesys.net\/reginsights\/how-to-calculate-student-loan-payment","title":{"rendered":"Calculate Student Loan Payment &#8211; A Step-by-Step Guide"},"content":{"rendered":"\n<p>An education loan has always been a part of a learner\u2019s life. Reports show that nearly 60% of South African students apply for student loans each year. It helps learners pursue education. Additionally, it covers your living costs if you are studying away from home.&nbsp;<\/p>\n\n\n\n<p>Many students are still unaware of how the repayment process works. Understanding it makes the process clearer. You can also plan how to repay the loan after your education. You can make smarter choices by avoiding stress.&nbsp;<\/p>\n\n\n\n<p>This article explores how to calculate student loans and plan for it. You will also understand the math behind a student loan.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Understanding Student Loans<\/h2>\n\n\n\n<p>A student loan is the money or funds you borrow to pay for your education. You will need to repay it over time. The monthly repayment amount depends on several factors. These factors decide your monthly bills and total cost.&nbsp;<\/p>\n\n\n\n<p>The student loans follow the <a href=\"https:\/\/en.wikipedia.org\/wiki\/Amortization_(accounting)\" target=\"_blank\" rel=\"noopener\">amortisation<\/a> process. It means that your monthly instalments reduce the total pending payback amount.<\/p>\n\n\n\n<p>Here are a few points to remember about student loans:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A student loan is borrowed money, which means you have to pay it over time.&nbsp;<\/li>\n\n\n\n<li>Most loan services start charging interest as soon as you borrow the funds.&nbsp;<\/li>\n\n\n\n<li>In most plans, your monthly payment remains the same over time.&nbsp;<\/li>\n\n\n\n<li>A payment has two parts: principal and interest. Principal is the loan amount borrowed. Interest means the interest charge on the monthly payment.<\/li>\n<\/ul>\n\n\n\n<p>Read more about: <a href=\"https:\/\/www.regenesys.net\/reginsights\/how-does-a-bursary-differ-from-a-student-loan\" target=\"_blank\" rel=\"noopener\">How Does A Bursary Differ From A Student Loan?<\/a><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.regenesys.net\/student-loans?utm_source=SA-WEBSITE-BLOG&amp;utm_medium=Blog-BannerCTA&amp;utm_campaign=Education_Funding&amp;utm_content=how-to-calculate-student-loan-payment\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" width=\"800\" height=\"418\" src=\"https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/tudent-Funding-Caption-Banner-Request-800-x-418-1.webp\" alt=\"Education Funding and Payment Support Available\" class=\"wp-image-186584\" srcset=\"https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/tudent-Funding-Caption-Banner-Request-800-x-418-1.webp 800w, https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/tudent-Funding-Caption-Banner-Request-800-x-418-1-300x157.webp 300w, https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/tudent-Funding-Caption-Banner-Request-800-x-418-1-80x42.webp 80w, https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/tudent-Funding-Caption-Banner-Request-800-x-418-1-768x401.webp 768w, https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/tudent-Funding-Caption-Banner-Request-800-x-418-1-150x78.webp 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Factors Affecting Your Student Loan Payment<\/h2>\n\n\n\n<p>Your student loan payments are not unplanned. It completely depends on clear numbers. These numbers help plan your budget and finances better.&nbsp;<\/p>\n\n\n\n<p>Some plans provide lower payments or extended repayment for low-income individuals. Sometimes, two people with the same loan amount can have different monthly payments.<\/p>\n\n\n\n<p>Here are some factors you should understand to calculate student loans:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><strong>Loan Amount: <\/strong><\/strong>Your monthly payment amount depends on the amount you borrow.&nbsp;<\/li>\n\n\n\n<li><strong>Interest Rate: <\/strong>A higher interest rate means you pay more every month.&nbsp;<\/li>\n\n\n\n<li><strong>Loan Term (years): <\/strong>Longer repayment periods offer low monthly instalments. But it can increase the total interest.&nbsp;<\/li>\n\n\n\n<li><strong>Repayment Plan: <\/strong>Some plans are adjustable, based on income or profession.<\/li>\n\n\n\n<li><strong>Extra Fees: <\/strong>Some loans include additional charges that add to your payment.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Here\u2019s a related read on: <a href=\"https:\/\/www.regenesys.net\/reginsights\/is-it-worth-getting-a-student-loan\" target=\"_blank\" rel=\"noopener\">Is it Worth Getting a Student Loan in South Africa?<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Step-By-Step Guide to Calculate Student Loan Payments<\/h2>\n\n\n\n<p>Student loan calculation is not a random process. It has a specific calculation formula. Using the loan amount, interest rate, and duration, you can calculate the monthly payment.&nbsp;<\/p>\n\n\n\n<p>You can also use online tools, such as a student loan payment calculator. It helps to calculate the amount quickly. But it is helpful to understand these steps.&nbsp;<\/p>\n\n\n\n<p>Here\u2019s a step-by-step overview of the calculation process:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Step 1: <\/strong>Divide your annual interest rate by 12 to calculate your monthly interest rate.&nbsp;<\/li>\n\n\n\n<li><strong>Step 2: <\/strong>Calculate the total number of EMIs by multiplying the total repayment years by 12.&nbsp;<\/li>\n\n\n\n<li><strong>Step 3: <\/strong>Use the loan repayment formula to calculate the fixed monthly amount.&nbsp;<\/li>\n\n\n\n<li><strong>Step 4: <\/strong>Divide your EMIs into interest and principal. It will give you a better understanding of the monthly payments.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Here is the formula to calculate your monthly payments:<\/p>\n\n\n\n<p><strong>EMI = (P \u00d7 r \u00d7 (1 + r)n) \u00f7 ((1 + r)n \u2212 1)<\/strong><\/p>\n\n\n\n<p>Here:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>EMI = monthly payment amount.<\/li>\n\n\n\n<li>P = Principal or loan amount.<\/li>\n\n\n\n<li>r = Monthly interest rate (annual interest rate \u00f7 12).<\/li>\n\n\n\n<li>n = total number of monthly payments.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>This formula is used in most student loan monthly payment calculators. So, you can use it to avoid manual effort.&nbsp;<\/p>\n\n\n\n<p>Here\u2019s an example to simply explain the calculation:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The total loan amount is R100,000<\/li>\n\n\n\n<li>The annual interest rate is 9% per year.&nbsp;<\/li>\n\n\n\n<li>Repayment term = 5 years = 5 x 12 = 60 months.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>First, convert the annual interest rate to monthly: 9 \u00f7 12 = 0.75%<\/p>\n\n\n\n<p>Convert the 0.75% into a decimal for the formula: 0.75\/100 = 0.0075.<\/p>\n\n\n\n<p>If you enter the values into the EMI formula, you get approximately R2,075.84 per month.&nbsp;<\/p>\n\n\n\n<p>It might be confusing for some individuals. You can also use the EMI or student loan interest rate calculators.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.regenesys.net\/lp\/bachelor-of-science-in-computer-science?utm_source=bcs_blog&amp;utm_medium=bsc_cs_banner&amp;utm_campaign=study_bcs_online&amp;utm_content=how-to-calculate-student-loan-payment\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" width=\"800\" height=\"418\" src=\"https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/BSC-2-webp.webp\" alt=\"Study Bachelor of Education in South Africa\" class=\"wp-image-186586\" srcset=\"https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/BSC-2-webp.webp 800w, https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/BSC-2-webp-300x157.webp 300w, https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/BSC-2-webp-80x42.webp 80w, https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/BSC-2-webp-768x401.webp 768w, https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/BSC-2-webp-150x78.webp 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Tips for Managing Your Student Loan Payments<\/h2>\n\n\n\n<p>Managing your student loan can save money and reduce stress. It is not just about paying on time. It is planned carefully from the start. Even the small choices can make a significant impact. Understanding your payments early helps you stay in control and avoid last-minute issues.&nbsp;<\/p>\n\n\n\n<p>Here are some tips for learners to calculate student loan payments:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Plan before you borrow. Decide on your budget first.<\/li>\n\n\n\n<li>Use a student loan payment calculator to calculate your future monthly payments.<\/li>\n\n\n\n<li>If possible, start paying the interest early, while studying. It helps keep the pending balance low.<\/li>\n\n\n\n<li>Select the repayment plan that suits your income.&nbsp;<\/li>\n\n\n\n<li>If you can afford to, pay more than the EMIs. It reduces the loan faster and the overall interest, too.<\/li>\n\n\n\n<li>To avoid any unexpected issues, check your loan balance after every few months.&nbsp;<\/li>\n\n\n\n<li>Stay connected with the loan provider and communicate regularly. Ask about support options if you face financial difficulty.<\/li>\n<\/ul>\n\n\n\n<p>Learn more about: <a href=\"https:\/\/www.regenesys.net\/reginsights\/best-student-loans-in-south-africa\" target=\"_blank\" rel=\"noopener\">Best Student Loans in South Africa &#8211; Complete Guide<\/a>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Common Mistakes to Avoid&nbsp;<\/h2>\n\n\n\n<p>Sometimes small mistakes can turn into big problems for student loans. These issues arise from poor planning or misunderstanding of loan terms. Knowing what to avoid can protect your finances and peace of mind.&nbsp;<\/p>\n\n\n\n<p>Awareness can help you save years of extra repayment. Here are some common mistakes you should avoid:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Know your interest rate. Always check it before borrowing the loan.<\/li>\n\n\n\n<li>Failing to plan daily expenses increases the risk of missing monthly payments. It can increase the debt.&nbsp;<\/li>\n\n\n\n<li>Skipping early interest payments can quickly increase your future interest charges.<\/li>\n\n\n\n<li>Choosing a shorter term can be problematic. It means higher monthly payments. You should decide the loan term accordingly.&nbsp;<\/li>\n\n\n\n<li>Not calculating or using a calculator to check the payments first.&nbsp;<\/li>\n\n\n\n<li>Missing a payment for any reason can affect your credit score. It can also lead to extra charges.&nbsp;<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.regenesys.net\/lp\/regenesys-online-application?utm_source=online_application_blog&amp;utm_medium=online_application_banner&amp;utm_campaign=apply_2026_intake&amp;utm_content=how-to-calculate-student-loan-payment\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" width=\"794\" height=\"416\" src=\"https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/ADMISSION-OPEN-FOR-APPLICATION-2-1.webp\" alt=\"how to apply for 2026 Intake - A step by step admissions guide \" class=\"wp-image-186587\" srcset=\"https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/ADMISSION-OPEN-FOR-APPLICATION-2-1.webp 794w, https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/ADMISSION-OPEN-FOR-APPLICATION-2-1-300x157.webp 300w, https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/ADMISSION-OPEN-FOR-APPLICATION-2-1-80x42.webp 80w, https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/ADMISSION-OPEN-FOR-APPLICATION-2-1-768x402.webp 768w, https:\/\/www.regenesys.net\/reginsights\/wp-content\/uploads\/2026\/02\/ADMISSION-OPEN-FOR-APPLICATION-2-1-150x79.webp 150w\" sizes=\"(max-width: 794px) 100vw, 794px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Explore Our Other Programmes<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><a href=\"https:\/\/www.regenesys.net\/bachelor-of-business-administration\" rel=\"noreferrer noopener\" target=\"_blank\">Bachelor of Business Administration (BBA)<\/a><\/td><td><a href=\"https:\/\/www.regenesys.net\/master-of-business-administration\" rel=\"noreferrer noopener\" target=\"_blank\">Master of Business Administration (MBA)<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.regenesys.net\/bachelor-of-laws\" rel=\"noreferrer noopener\" target=\"_blank\">Bachelor of Laws (LLB)<\/a><\/td><td><a href=\"https:\/\/www.regenesys.net\/doctor-of-business-management\" rel=\"noreferrer noopener\" target=\"_blank\">Doctor of Business Management (DBM)<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.regenesys.net\/higher-certificate-in-public-management\" rel=\"noreferrer noopener\" target=\"_blank\">Higher Certificate in Public Management (HCPM)<\/a><\/td><td><a href=\"https:\/\/www.regenesys.net\/higher-certificate-in-business-management\" rel=\"noreferrer noopener\" target=\"_blank\">Higher Certificate in Business Management (HCBM)<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.regenesys.net\/bachelor-of-public-management\" rel=\"noreferrer noopener\" target=\"_blank\">Bachelor of Public Management (BPM)<\/a><\/td><td><a href=\"https:\/\/www.regenesys.net\/master-of-public-management\" rel=\"noreferrer noopener\" target=\"_blank\">Master of Public Management (MPM)<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.regenesys.net\/postgraduate-diploma-in-data-science\" rel=\"noreferrer noopener\" target=\"_blank\">Postgraduate Diploma in Data Science (PDDS)<\/a><\/td><td><a href=\"https:\/\/www.regenesys.net\/bachelor-of-science-in-computer-science\" rel=\"noreferrer noopener\" target=\"_blank\">Bachelor of Science in Computer Science<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.regenesys.net\/postgraduate-diploma-in-public-management\" rel=\"noreferrer noopener\" target=\"_blank\">Postgraduate Diploma in Public Management<\/a><\/td><td><a href=\"https:\/\/www.regenesys.net\/postgraduate-diploma-in-digital-marketing\" rel=\"noreferrer noopener\" target=\"_blank\">Postgraduate Diploma in Digital Marketing<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.regenesys.net\/bachelor-of-commerce-in-banking-and-financial-services\" rel=\"noreferrer noopener\" target=\"_blank\">BCom in Banking and Financial Services<\/a><\/td><td><a href=\"https:\/\/www.regenesys.net\/bachelor-of-accounting-science\" rel=\"noreferrer noopener\" target=\"_blank\">Bachelor of Accounting Science (BCOMPT)<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p>Learning how to calculate student loan payments gives you confidence. It also helps in effective budget planning. The key parts are the loan amount, the interest rate and the repayment term.&nbsp;<\/p>\n\n\n\n<p>Mostly, learners find a payment calculator useful in these situations. Remember, your goal is not to just understand the numbers. It is about managing your financial future. Simple steps today can lead to strong financial habits in the future.&nbsp;<\/p>\n\n\n\n<p>Explore the globally recognised programmes by <a href=\"https:\/\/www.regenesys.net\/\" target=\"_blank\" rel=\"noopener\">Regenesys Education<\/a>. Our programmes offer industry-aligned skills to support meaningful and rewarding career growth. We also help students to manage their education costs. Our funding support services include customised payment plans and student loan options.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/www.regenesys.net\/contact-us-for-admissions-and-other-queries-regenesys\" target=\"_blank\" rel=\"noopener\">Contact us<\/a> and speak with our career advisors for the best guidance on building a long-term, prosperous career.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">FAQs<\/h2>\n\n\n\n<div class=\"wp-block-essential-blocks-accordion  root-eb-accordion-2kboz\"><div class=\"eb-parent-wrapper eb-parent-eb-accordion-2kboz \"><div class=\"eb-accordion-container eb-accordion-2kboz\" data-accordion-type=\"accordion\" data-tab-icon=\"fas fa-angle-right\" data-expanded-icon=\"fas fa-angle-down\" data-transition-duration=\"500\"><div class=\"eb-accordion-inner\">\n<div class=\"wp-block-essential-blocks-accordion-item eb-accordion-item-ktwu0 eb-accordion-wrapper\" data-clickable=\"false\"><div class=\"eb-accordion-title-wrapper eb-accordion-title-wrapper-eb-accordion-2kboz\" tabindex=\"0\"><span class=\"eb-accordion-icon-wrapper eb-accordion-icon-wrapper-eb-accordion-2kboz\"><span class=\"fas fa-angle-right eb-accordion-icon\"><\/span><\/span><div class=\"eb-accordion-title-content-wrap title-content-eb-accordion-2kboz\"><h3 class=\"eb-accordion-title\">What is the formula for student loan payments?<\/h3><\/div><\/div><div class=\"eb-accordion-content-wrapper eb-accordion-content-wrapper-eb-accordion-2kboz\"><div class=\"eb-accordion-content\">\n<p>The formula to calculate student loan payments gives the monthly payment. Here is the formula to calculate your monthly payments:<\/p>\n\n\n\n<p>EMI = (P \u00d7 r \u00d7 (1 + r)<sup>n<\/sup>) \u00f7 ((1 + r)<sup>n<\/sup> \u2212 1)<\/p>\n\n\n\n<p>Where:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>EMI = monthly payment amount.<\/li>\n\n\n\n<li>P = Principal or loan amount.<\/li>\n\n\n\n<li>r = Monthly interest rate (annual interest rate \u00f7 12).<\/li>\n\n\n\n<li>n = total number of monthly payments. x<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-essential-blocks-accordion-item eb-accordion-item-xx7ip eb-accordion-wrapper\" data-clickable=\"false\"><div class=\"eb-accordion-title-wrapper eb-accordion-title-wrapper-eb-accordion-2kboz\" tabindex=\"0\"><span class=\"eb-accordion-icon-wrapper eb-accordion-icon-wrapper-eb-accordion-2kboz\"><span class=\"fas fa-angle-right eb-accordion-icon\"><\/span><\/span><div class=\"eb-accordion-title-content-wrap title-content-eb-accordion-2kboz\"><h3 class=\"eb-accordion-title\">How are my student loan payments calculated?<\/h3><\/div><\/div><div class=\"eb-accordion-content-wrapper eb-accordion-content-wrapper-eb-accordion-2kboz\"><div class=\"eb-accordion-content\">\n<p>Loan payments are calculated using the loan amount, interest rate, and loan terms. Combining these aspects determines your fixed monthly payment and the total number of repayment years.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-essential-blocks-accordion-item eb-accordion-item-5x4z7 eb-accordion-wrapper\" data-clickable=\"false\"><div class=\"eb-accordion-title-wrapper eb-accordion-title-wrapper-eb-accordion-2kboz\" tabindex=\"0\"><span class=\"eb-accordion-icon-wrapper eb-accordion-icon-wrapper-eb-accordion-2kboz\"><span class=\"fas fa-angle-right eb-accordion-icon\"><\/span><\/span><div class=\"eb-accordion-title-content-wrap title-content-eb-accordion-2kboz\"><h3 class=\"eb-accordion-title\">Can we consolidate multiple student loans into one payment?<\/h3><\/div><\/div><div class=\"eb-accordion-content-wrapper eb-accordion-content-wrapper-eb-accordion-2kboz\"><div class=\"eb-accordion-content\">\n<p>Yes. Many individuals choose loan consolidation. It means combining several loans into one. Consolidation can simplify the repayment and may lower the monthly amount. But it also increases the repayment period.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-essential-blocks-accordion-item eb-accordion-item-niaer eb-accordion-wrapper\" data-clickable=\"false\"><div class=\"eb-accordion-title-wrapper eb-accordion-title-wrapper-eb-accordion-2kboz\" tabindex=\"0\"><span class=\"eb-accordion-icon-wrapper eb-accordion-icon-wrapper-eb-accordion-2kboz\"><span class=\"fas fa-angle-right eb-accordion-icon\"><\/span><\/span><div class=\"eb-accordion-title-content-wrap title-content-eb-accordion-2kboz\"><h3 class=\"eb-accordion-title\">Are there tools to help me calculate my student loan payments?<\/h3><\/div><\/div><div class=\"eb-accordion-content-wrapper eb-accordion-content-wrapper-eb-accordion-2kboz\"><div class=\"eb-accordion-content\">\n<p>Yes. You can use online tools, such as a student loan payment calculator. It asks for your loan amount, interest and term to calculate your monthly repayment.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-essential-blocks-accordion-item eb-accordion-item-6882a eb-accordion-wrapper\" data-clickable=\"false\"><div class=\"eb-accordion-title-wrapper eb-accordion-title-wrapper-eb-accordion-2kboz\" tabindex=\"0\"><span class=\"eb-accordion-icon-wrapper eb-accordion-icon-wrapper-eb-accordion-2kboz\"><span class=\"fas fa-angle-right eb-accordion-icon\"><\/span><\/span><div class=\"eb-accordion-title-content-wrap title-content-eb-accordion-2kboz\"><h3 class=\"eb-accordion-title\">Is it better to pay monthly or make lump sum payments?<\/h3><\/div><\/div><div class=\"eb-accordion-content-wrapper eb-accordion-content-wrapper-eb-accordion-2kboz\"><div class=\"eb-accordion-content\">\n<p>Paying monthly is the most common way to handle student loans. However, lump-sum payments can reduce total interest. It helps you finish the loan faster. You can ask your loan provider about prepayment fees and then proceed accordingly.&nbsp;<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>An education loan has always been a part of a learner\u2019s life. Reports show that nearly 60% of South African students apply for student loans each year. It helps learners pursue education. Additionally, it covers your living costs if you are studying away from home.&nbsp; Many students are still unaware of how the repayment process<\/p>\n","protected":false},"author":129,"featured_media":189445,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_eb_attr":"","_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[4605],"tags":[],"country":[4879],"class_list":{"0":"post-186572","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-student-loan","8":"country-south-africa"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Calculate Student Loan Payment - A Step-by-Step Guide - RegInsights<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.regenesys.net\/reginsights\/how-to-calculate-student-loan-payment\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Calculate Student Loan Payment - A Step-by-Step Guide - RegInsights\" \/>\n<meta property=\"og:description\" content=\"An education loan has always been a part of a learner\u2019s life. Reports show that nearly 60% of South African students apply for student loans each year. It helps learners pursue education. 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