Career-Based Loan Repayment Estimator
Step 1: Your Career & Income Estimates
Enter your intended career and estimated post-graduation income to begin the analysis.
Research typical starting salaries for your field and location (e.g., via BLS.gov OOH).
Rough estimate for Federal/State taxes, FICA, healthcare, retirement, etc. Actual amounts vary greatly (typically 20-35%). Adjust as needed.
Step 2: Your Estimated Student Loan Details (at Graduation)
E.g., 10 years for Standard Repayment. Longer terms (e.g., 20-25) are common with some Income-Driven Plans but may increase total interest.
Step 3: Repayment Estimator & Affordability Analysis
Strategies & Resources for Managing Student Loans:
- Research Salaries Thoroughly: Use resources like the U.S. Bureau of Labor Statistics Occupational Outlook Handbook (OOH) to get a realistic idea of earning potential in your chosen career and location.
- Minimize Borrowing: Only borrow what you absolutely need for your education. Explore scholarships, grants, and work-study options first.
- Understand Your Loans: Know if your loans are federal or private, their interest rates, and servicers. Federal loans offer more borrower protections. Visit StudentAid.gov for federal loan information.
- Choose the Right Repayment Plan: If you have federal student loans, explore Income-Driven Repayment (IDR) plans (like SAVE, PAYE, IBR) if your estimated payment is high relative to your income. These plans can make payments more affordable.
- Create a Budget: Factor your estimated loan payments into your post-graduation budget to understand their impact on your overall finances.
- Consider Loan Forgiveness Programs: If you plan to work in public service or teaching in high-need areas, you might be eligible for programs like Public Service Loan Forgiveness (PSLF) or Teacher Loan Forgiveness.
Disclaimer: This calculator provides estimates based on the information you enter. Your actual starting salary, tax rates, deductions, loan terms, and overall financial situation may vary significantly. This tool is for informational and planning purposes only and does not constitute financial advice. Consult with a qualified financial advisor for personalized guidance.
Loan Payment as % of Take-Home Pay: ${isFinite(paymentAsPercentOfTakeHome) ? paymentAsPercentOfTakeHome.toFixed(1) + '%' : 'N/A (Take-home pay too low)'}
${affordabilityGuidanceText}
`;
}
cblr_navigateToTab(2); // Show results tab
}
function cblr_generatePDF() {
if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') {
alert('PDF generation library (jsPDF) is not loaded.'); return;
}
const JSPDF_CONSTRUCTOR = window.jspdf.jsPDF;
const tempDoc = new JSPDF_CONSTRUCTOR();
if (typeof tempDoc.autoTable !== 'function') {
alert('jsPDF AutoTable plugin is not loaded.'); return;
}
if (Object.keys(cblr_dataForPdf).length === 0 || !cblr_dataForPdf.monthlyLoanPayment === undefined) {
alert('Please complete the analysis first to generate a PDF report.'); return;
}
const doc = new JSPDF_CONSTRUCTOR({ orientation: 'p' });
const data = cblr_dataForPdf;
let yPos = 15;
const pageMargin = 15;
const pageWidth = doc.internal.pageSize.getWidth();
const usableWidth = pageWidth - (2 * pageMargin);
const primaryColor = [23, 162, 184]; // #17a2b8 Teal
const headingColor = [17, 122, 139]; // #117a8b Darker Teal
const textColor = [52, 58, 64]; // #343a40
function addMainHeader(text) {
doc.setFontSize(16); doc.setFont(undefined, 'bold');
doc.setTextColor(headingColor[0], headingColor[1], headingColor[2]);
doc.text(text, pageWidth / 2, yPos, { align: 'center' });
yPos += 12;
}
function addSectionHeader(text) {
if (yPos > doc.internal.pageSize.getHeight() - 30) { doc.addPage(); yPos = pageMargin; }
doc.setFontSize(12); doc.setFont(undefined, 'bold');
doc.setTextColor(primaryColor[0], primaryColor[1], primaryColor[2]);
doc.text(text, pageMargin, yPos);
yPos += 8; doc.setFont(undefined, 'normal');
}
function addLineItem(label, value, valueIsBold = false, labelIsBold = false) {
if (yPos > doc.internal.pageSize.getHeight() - 12) { doc.addPage(); yPos = pageMargin; }
doc.setFontSize(9.5);
doc.setTextColor(textColor[0],textColor[1],textColor[2]);
if(labelIsBold) doc.setFont(undefined, 'bold');
doc.text(label, pageMargin, yPos);
doc.setFont(undefined, valueIsBold ? 'bold' : 'normal');
doc.text(value, pageWidth - pageMargin, yPos, {align: 'right'});
doc.setFont(undefined, 'normal'); // Reset
yPos += 6.5;
}
function addParagraph(text, fontSize = 9.5, options = {}) {
doc.setFontSize(fontSize);
doc.setTextColor(options.color ? options.color[0] : textColor[0],
options.color ? options.color[1] : textColor[1],
options.color ? options.color[2] : textColor[2]);
if (options.fontStyle) doc.setFont(undefined, options.fontStyle);
const lines = doc.splitTextToSize(text, usableWidth - (options.indent || 0));
if (yPos + (lines.length * (fontSize * 0.4)) + (options.spacingAfter || 3) > doc.internal.pageSize.getHeight() - 20) {
doc.addPage(); yPos = pageMargin;
}
doc.text(lines, pageMargin + (options.indent || 0), yPos);
yPos += (lines.length * (fontSize * 0.4)) + (options.spacingAfter || 3);
if (options.fontStyle) doc.setFont(undefined, 'normal'); // Reset font style
}
addMainHeader("Career-Based Loan Repayment Analysis");
addSectionHeader("Your Inputs:");
const inputsForPdf = [
["Intended Career:", data.careerName],
["Estimated Annual Gross Salary:", cblr_formatCurrency(data.annualSalary)],
["Est. % for Taxes & Deductions:", `${data.taxDeductionPercentage.toFixed(1)}%`],
["Total Estimated Student Loan Debt:", cblr_formatCurrency(data.totalDebt)],
["Average Loan Interest Rate:", `${data.averageRate.toFixed(2)}%`],
["Loan Repayment Term:", `${data.repaymentTermYears} years`],
];
doc.autoTable({
startY: yPos, body: inputsForPdf, theme: 'grid',
styles: { fontSize: 9, cellPadding: 2.5, textColor: textColor },
columnStyles: { 0: { fontStyle: 'bold', cellWidth: usableWidth * 0.5 }, 1 : { halign: 'right', cellWidth: usableWidth * 0.5} },
didDrawPage: function (hookData){ yPos = hookData.cursor.y ? hookData.cursor.y +10 : pageMargin; }
});
yPos = doc.lastAutoTable.finalY ? doc.lastAutoTable.finalY + 10 : yPos;
if (yPos > doc.internal.pageSize.getHeight() - 80) { doc.addPage(); yPos = pageMargin; }
addSectionHeader("Estimated Repayment & Affordability:");
addLineItem("Est. Monthly Gross Income:", cblr_formatCurrency(data.monthlyGrossIncome));
addLineItem("Est. Monthly Taxes & Deductions:", cblr_formatCurrency(data.estimatedMonthlyTaxesDeductions));
addLineItem("Est. Monthly Take-Home Pay:", cblr_formatCurrency(data.estimatedMonthlyTakeHomePay), true, true);
yPos += 2; // Extra space
addLineItem("Est. Monthly Student Loan Payment:", cblr_formatCurrency(data.monthlyLoanPayment), true, true);
yPos += 2;
addLineItem("Loan Payment as % of Gross Income:", `${data.paymentAsPercentOfGross.toFixed(1)}%`);
addLineItem("Loan Payment as % of Take-Home Pay:", `${isFinite(data.paymentAsPercentOfTakeHome) ? data.paymentAsPercentOfTakeHome.toFixed(1) + '%' : 'N/A'}`, true, true);
yPos += 5;
// Affordability Guidance
if (yPos > doc.internal.pageSize.getHeight() - 40) { doc.addPage(); yPos = pageMargin; }
addSectionHeader("Affordability Guidance:", 6);
let guidanceColor = textColor;
if(data.guidanceClass === "cblr-guidance-high") guidanceColor = [114, 28, 36]; // Red
else if(data.guidanceClass === "cblr-guidance-moderate") guidanceColor = [154,52,18]; // Orange
else if(data.guidanceClass === "cblr-guidance-medium") guidanceColor = [133,100,4]; // Yellow
else if(data.guidanceClass === "cblr-guidance-low") guidanceColor = [21,87,36]; // Green
// Remove HTML tags from guidance text for PDF
const plainGuidanceText = data.affordabilityGuidanceText.replace(/<[^>]*>/g, "");
addParagraph(plainGuidanceText, 9.5, {color: guidanceColor, spacingAfter: 10});
// Strategies & Resources (abbreviated)
if (yPos > doc.internal.pageSize.getHeight() - 50) { doc.addPage(); yPos = pageMargin; }
addSectionHeader("Key Strategies & Resources (U.S. Focused):", 6);
const strategiesForPdf = [
"Research salaries thoroughly (BLS.gov OOH).",
"Minimize borrowing; prioritize free aid.",
"Understand your loans (StudentAid.gov for federal loans).",
"Explore Income-Driven Repayment (IDR) plans for federal loans if payments are high.",
"Create a post-graduation budget.",
"Consider loan forgiveness programs if eligible (PSLF, TLF)."
];
strategiesForPdf.forEach(s => addParagraph("• " + s, 9, {indent: 2, spacingAfter:1}));
yPos += 5;
// Disclaimer
if (yPos > doc.internal.pageSize.getHeight() - 35) { doc.addPage(); yPos = pageMargin; }
const disclaimerText = document.querySelector('#cblr-container .cblr-disclaimer-main p').textContent;
doc.setFontSize(8);
doc.setTextColor(133, 100, 4); // #856404 (text color from HTML disclaimer)
const lines = doc.splitTextToSize("Disclaimer: " + disclaimerText, usableWidth);
doc.setFillColor(255,243,205); // #fff3cd (bg from HTML disclaimer)
doc.rect(pageMargin - 2, yPos -2, usableWidth + 4, (lines.length * 3.5) + 4, 'F');
doc.text(lines, pageMargin, yPos);
doc.save("Career_Loan_Repayment_Estimate.pdf");
}