Total Repaid During Repayment Term: ${formatCurrency(totalAmountRepaidDuringTerm)}

Total Interest Paid During Repayment Term: ${formatCurrency(totalInterestPaidDuringTerm)}

---

Overall Total Interest Paid (incl. any deferment interest paid): ${formatCurrency(overallTotalInterestPaid)}

Overall Out-of-Pocket Cost (Principal Repaid + All Interest + Fees): ${formatCurrency(principalAtRepayment + totalInterestPaidDuringTerm + interestPaidDuringDefermentTotal + originationFeeAmount )}

`; // Generate and Display Amortization Schedule generateAmortizationSchedule(principalAtRepayment, monthlyPayment, monthlyInterestRate, termYears); resultsSectionEl.style.display = 'block'; } function generateAmortizationSchedule(principal, monthlyPayment, monthlyRate, termYears) { amortizationTableBodyEl.innerHTML = ''; // Clear previous schedule calculatorDataStore.amortization = []; // For PDF let currentBalance = principal; let totalInterestPaidThisYear = 0; let totalPrincipalPaidThisYear = 0; let totalPaymentsThisYear = 0; for (let year = 1; year <= termYears; year++) { const yearStartingBalance = currentBalance; totalInterestPaidThisYear = 0; totalPrincipalPaidThisYear = 0; totalPaymentsThisYear = 0; for (let month = 1; month <= 12; month++) { if (currentBalance <= 0.01) break; // Loan paid off const interestForMonth = currentBalance * monthlyRate; let principalForMonth = monthlyPayment - interestForMonth; let actualPayment = monthlyPayment; if (currentBalance < monthlyPayment) { // Final payment adjustment principalForMonth = currentBalance; actualPayment = currentBalance + interestForMonth; } currentBalance -= principalForMonth; if(currentBalance < 0) currentBalance = 0; // Ensure balance doesn't go negative due to float precision totalInterestPaidThisYear += interestForMonth; totalPrincipalPaidThisYear += principalForMonth; totalPaymentsThisYear += actualPayment; } const row = amortizationTableBodyEl.insertRow(); row.insertCell().textContent = year; row.insertCell().textContent = formatCurrency(yearStartingBalance); row.insertCell().textContent = formatCurrency(totalPaymentsThisYear); row.insertCell().textContent = formatCurrency(totalInterestPaidThisYear); row.insertCell().textContent = formatCurrency(totalPrincipalPaidThisYear); row.insertCell().textContent = formatCurrency(currentBalance); calculatorDataStore.amortization.push({ year, startingBalance: yearStartingBalance, totalPayments: totalPaymentsThisYear, interestPaid: totalInterestPaidThisYear, principalPaid: totalPrincipalPaidThisYear, endingBalance: currentBalance }); } } function downloadPDF() { if (!calculatorDataStore.results) { displayError("Please calculate the repayment first."); return; } clearError(); if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') { displayError('PDF generation library (jsPDF core) is not loaded.'); return; } const JSPDFConstructor = window.jspdf.jsPDF; const doc = new JSPDFConstructor('p', 'pt', 'a4'); if (typeof doc.autoTable !== 'function') { displayError('PDF table plugin (jsPDF-AutoTable) is not functional.'); return; } const inputs = calculatorDataStore.inputs; const results = calculatorDataStore.results; let finalY = 40; doc.setFontSize(16); doc.text("Parent PLUS Loan Repayment Estimate (U.S. Federal)", doc.internal.pageSize.getWidth() / 2, finalY, { align: 'center' }); finalY += 25; doc.setFontSize(10); const inputData = [ ["Loan Amount Requested:", formatCurrency(inputs.loanAmountRequested)], ["Annual Interest Rate:", `${inputs.annualRate.toFixed(3)}%`], ["Origination Fee:", `${inputs.originationFeePercent.toFixed(3)}% (${formatCurrency(results.originationFeeAmount)})`], ["Net Amount Disbursed:", formatCurrency(results.netAmountDisbursed)], ["Loan Repayment Term:", `${inputs.termYears} years (${inputs.loanTermYearsText})`], ["Deferment Period:", `${inputs.defermentYears} years`], ["Pay Interest During Deferment:", inputs.payInterestDuringDefermentText], ["Interest Paid During Deferment:", formatCurrency(results.interestPaidDuringDefermentTotal)], ["Principal Balance at Repayment Start:", formatCurrency(results.principalAtRepayment)] ]; doc.autoTable({ startY: finalY, head: [['Loan Input Summary', 'Value']], body: inputData, theme: 'striped', headStyles: {fillColor: [0,115,170], fontSize:10}, styles: {fontSize: 9}, columnStyles: {0: {fontStyle:'bold', cellWidth: 200}} }); finalY = doc.lastAutoTable.finalY + 20; doc.setFontSize(10); const resultData = [ ["Estimated Monthly Payment:", formatCurrency(results.monthlyPayment)], ["Number of Payments:", results.numberOfPayments.toString()], ["Total Repaid (During Term):", formatCurrency(results.totalAmountRepaidDuringTerm)], ["Total Interest Paid (During Term):", formatCurrency(results.totalInterestPaidDuringTerm)], ["Overall Total Interest Paid:", formatCurrency(results.overallTotalInterestPaid)], ["Overall Out-of-Pocket Cost:", formatCurrency(results.principalAtRepayment + results.totalInterestPaidDuringTerm + results.interestPaidDuringDefermentTotal + results.originationFeeAmount)] ]; doc.autoTable({ startY: finalY, head: [['Repayment Estimate Summary', 'Value']], body: resultData, theme: 'striped', headStyles: {fillColor: [0,115,170], fontSize:10}, styles: {fontSize: 9}, columnStyles: {0: {fontStyle:'bold', cellWidth: 200}, 1: {fontStyle:'bold'}}, didParseCell: function (data) { if(data.row.index >= 0 && data.column.index === 1) { data.cell.styles.fontStyle = 'bold'; } } }); finalY = doc.lastAutoTable.finalY + 20; if (finalY > doc.internal.pageSize.getHeight() - 150) { doc.addPage(); finalY = 40;} doc.setFontSize(11); doc.text("Year-by-Year Amortization Summary:", 14, finalY); finalY += 5; const amortHeaders = [["Year", "Starting Balance", "Total Payments", "Interest Paid", "Principal Paid", "Ending Balance"]]; const amortBody = calculatorDataStore.amortization.map(row => [ row.year, formatCurrency(row.startingBalance), formatCurrency(row.totalPayments), formatCurrency(row.interestPaid), formatCurrency(row.principalPaid), formatCurrency(row.endingBalance) ]); doc.autoTable({ startY: finalY, head: amortHeaders, body: amortBody, theme: 'grid', headStyles: {fillColor: [0,115,170], fontSize:9}, styles: {fontSize: 8, cellPadding:3}, columnStyles: {0: {halign:'center'}, 1:{halign:'right'}, 2:{halign:'right'}, 3:{halign:'right'}, 4:{halign:'right'}, 5:{halign:'right'}} }); finalY = doc.lastAutoTable.finalY + 15; doc.setFontSize(8); doc.setTextColor(150); const disclaimerPdf = "This is an estimate. Actual payments may vary. This calculator assumes interest capitalizes once at the end of deferment if not paid. Consult official sources for precise terms."; const splitDisclaimer = doc.splitTextToSize(disclaimerPdf, doc.internal.pageSize.getWidth() - 28); if (finalY > doc.internal.pageSize.getHeight() - 30) { doc.addPage(); finalY = 40; } doc.text(splitDisclaimer, 14, finalY); doc.save("Parent_PLUS_Loan_Repayment_Estimate.pdf"); } // Event Listeners if (calculateButton) calculateButton.addEventListener('click', calculateRepayment); if (downloadPdfButton) downloadPdfButton.addEventListener('click', downloadPDF); // Initialize // (No specific initialization needed beyond HTML defaults) });