Note: This calculator provides estimates. The "Minimum Payment" scenario assumes standard amortizing payments that pay off the loan in the specified term. The "Early Payoff Strategy" estimates the impact of additional payments. Actual outcomes may vary based on your lender's specific calculation methods and policies for applying extra payments (e.g., to principal immediately vs. future payments, and how lump sums are handled). This is not financial advice. Always consult your lender or a financial advisor for precise details.