Please complete all previous tabs to view the comparison.

'; } if(fspvpl_domElements.pdfDownloadBtn) fspvpl_domElements.pdfDownloadBtn.classList.add('fspvpl-hidden'); } } function fspvpl_navigateToTab(targetTabId) { const currentActiveTabLink = document.querySelector('.fspvpl-tab-link.fspvpl-active'); if (!currentActiveTabLink) { console.error("Current active tab link not found."); return; } const currentTabId = currentActiveTabLink.getAttribute('data-tab'); let proceed = true; if (currentTabId === 'fspvpl-tab1') { // Moving from Tab 1 proceed = fspvpl_validateTab1(); } else if (currentTabId === 'fspvpl-tab2') { // Moving from Tab 2 if (!fspvpl_validateTab1()) { const tab1Button = document.querySelector('.fspvpl-tab-link[data-tab="fspvpl-tab1"]'); if (tab1Button) tab1Button.click(); return; } proceed = fspvpl_validateTab2(); } else if (currentTabId === 'fspvpl-tab3') { // Moving from Tab 3 if (!fspvpl_validateTab1()) { const tab1Button = document.querySelector('.fspvpl-tab-link[data-tab="fspvpl-tab1"]'); if (tab1Button) tab1Button.click(); return; } if (!fspvpl_validateTab2()) { const tab2Button = document.querySelector('.fspvpl-tab-link[data-tab="fspvpl-tab2"]'); if (tab2Button) tab2Button.click(); return; } proceed = fspvpl_validateTab3(); } if (proceed) { const targetTabButton = document.querySelector(`.fspvpl-tab-link[data-tab="${targetTabId}"]`); if (targetTabButton) targetTabButton.click(); } } function fspvpl_calculateLoanCost(principal, annualRate, termYears, totalFees) { const effectivePrincipal = principal + totalFees; const monthlyRate = (annualRate / 100) / 12; const numberOfMonths = termYears * 12; let emi = 0; if (effectivePrincipal <= 0 || numberOfMonths <= 0) { return { emi: 0, totalRepayment: 0, totalInterest: 0, totalFinanceCharge: totalFees }; } if (monthlyRate === 0) { // 0% interest loan emi = effectivePrincipal > 0 && numberOfMonths > 0 ? effectivePrincipal / numberOfMonths : 0; } else { const powerTerm = Math.pow(1 + monthlyRate, numberOfMonths); emi = (effectivePrincipal * monthlyRate * powerTerm) / (powerTerm - 1); } if (!isFinite(emi) || isNaN(emi) || emi < 0) emi = 0; const totalRepayment = emi * numberOfMonths; const totalFinanceCharge = totalRepayment - principal; const totalInterestComponent = totalRepayment - effectivePrincipal; return { emi: emi, totalRepayment: totalRepayment, totalInterest: totalInterestComponent > 0 ? totalInterestComponent : 0, // Interest on (Principal + Fees) totalFinanceCharge: totalFinanceCharge > 0 ? totalFinanceCharge : 0 // Total cost over original principal }; } function fspvpl_calculateAndDisplayComparison() { if (!fspvpl_domElements.resultsContainer) return; if (!fspvpl_validateTab1() || !fspvpl_validateTab2() || !fspvpl_validateTab3()) { fspvpl_domElements.resultsContainer.innerHTML = '

Please correct errors in the previous tabs to view the comparison.

'; if(fspvpl_domElements.pdfDownloadBtn) fspvpl_domElements.pdfDownloadBtn.classList.add('fspvpl-hidden'); return; } // Federal Loan Calculations fspvpl_loanData.federalLoan.totalFees = (fspvpl_loanData.loanAmount * (fspvpl_loanData.federalLoan.origFeePercent / 100)); // Federal only has % fee in this model fspvpl_loanData.federalLoan.calculated = fspvpl_calculateLoanCost( fspvpl_loanData.loanAmount, fspvpl_loanData.federalLoan.rate, fspvpl_loanData.loanTermYears, fspvpl_loanData.federalLoan.totalFees ); // Private Loan Calculations fspvpl_loanData.privateLoan.totalFees = (fspvpl_loanData.loanAmount * (fspvpl_loanData.privateLoan.origFeePercent / 100)) + fspvpl_loanData.privateLoan.otherFeesFixed; fspvpl_loanData.privateLoan.calculated = fspvpl_calculateLoanCost( fspvpl_loanData.loanAmount, fspvpl_loanData.privateLoan.rate, fspvpl_loanData.loanTermYears, fspvpl_loanData.privateLoan.totalFees ); const fed = fspvpl_loanData.federalLoan; const pvt = fspvpl_loanData.privateLoan; fspvpl_domElements.resultsContainer.innerHTML = `

Comparison for a ${fspvpl_formatCurrency(fspvpl_loanData.loanAmount)} loan over ${fspvpl_loanData.loanTermYears} years

Feature	Federal Student Loan	Private Student Loan
Loan Type	${fed.typeText || 'N/A'}	N/A (General Private)
Est. Annual Interest Rate	${fspvpl_formatPercent(fed.rate)} (Fixed)	${fspvpl_formatPercent(pvt.rate)} (${pvt.rateTypeText || 'N/A'})
Total Loan Fees	${fspvpl_formatCurrency(fed.totalFees)}	${fspvpl_formatCurrency(pvt.totalFees)}
Est. Monthly Payment (EMI)	${fspvpl_formatCurrency(fed.calculated.emi)}	${fspvpl_formatCurrency(pvt.calculated.emi)}
Total Interest Paid	${fspvpl_formatCurrency(fed.calculated.totalInterest)}	${fspvpl_formatCurrency(pvt.calculated.totalInterest)}
Total Finance Charge (Interest + Fees)	${fspvpl_formatCurrency(fed.calculated.totalFinanceCharge)}	${fspvpl_formatCurrency(pvt.calculated.totalFinanceCharge)}
Total Amount Repaid	${fspvpl_formatCurrency(fed.calculated.totalRepayment)}	${fspvpl_formatCurrency(pvt.calculated.totalRepayment)}

`; if (fspvpl_domElements.pdfDownloadBtn) { fspvpl_domElements.pdfDownloadBtn.classList.remove('fspvpl-hidden'); } } function fspvpl_hexToRgb(hex) { if (!hex || typeof hex !== 'string') return null; const shorthandRegex = /^#?([a-f\d])([a-f\d])([a-f\d])$/i; hex = hex.replace(shorthandRegex, function(m, r, g, b) { return r + r + g + g + b + b; }); const result = /^#?([a-f\d]{2})([a-f\d]{2})([a-f\d]{2})$/i.exec(hex); return result ? { r: parseInt(result[1], 16), g: parseInt(result[2], 16), b: parseInt(result[3], 16) } : null; } function fspvpl_generatePdf() { if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined' || typeof window.jspdf.jsPDF.API === 'undefined' || typeof window.jspdf.jsPDF.API.autoTable === 'undefined') { alert("PDF generation library is not loaded."); return; } if (!fspvpl_validateTab1() || !fspvpl_validateTab2() || !fspvpl_validateTab3()) { alert("Please ensure all inputs are correctly filled before generating PDF."); if (!fspvpl_validateTab1()) fspvpl_navigateToTab('fspvpl-tab1'); else if (!fspvpl_validateTab2()) fspvpl_navigateToTab('fspvpl-tab2'); else if (!fspvpl_validateTab3()) fspvpl_navigateToTab('fspvpl-tab3'); return; } fspvpl_calculateAndDisplayComparison(); if (fspvpl_domElements.resultsContainer && fspvpl_domElements.resultsContainer.innerHTML.includes("fspvpl-error-message")) { alert("Cannot generate PDF due to errors in input or calculation."); return; } const ActualJsPDF = window.jspdf.jsPDF; const doc = new ActualJsPDF(); const { loanAmount, loanTermYears, federalLoan, privateLoan } = fspvpl_loanData; const fed = federalLoan; const pvt = privateLoan; // Shorthands doc.setFontSize(18); const primaryColorRGB = fspvpl_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--fspvpl-primary-color').trim()) || {r:63,g:81,b:181}; const secondaryColorRGB = fspvpl_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--fspvpl-secondary-color').trim()) || {r:48,g:63,b:159}; doc.setTextColor(primaryColorRGB.r, primaryColorRGB.g, primaryColorRGB.b); doc.text("Federal vs. Private Student Loan Comparison", 105, 20, null, null, "center"); doc.setFontSize(11); doc.setTextColor(33,33,33); let startY = 30; doc.text(`Loan Amount: ${fspvpl_formatCurrency(loanAmount)} | Loan Term: ${loanTermYears} years`, 14, startY); startY += 10; const tableHeadFillColor = [secondaryColorRGB.r, secondaryColorRGB.g, secondaryColorRGB.b]; const federalColorArr = fspvpl_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--fspvpl-federal-color').trim()) || {r:0,g:123,b:255}; const privateColorArr = fspvpl_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--fspvpl-private-color').trim()) || {r:255,g:152,b:0}; const tableBody = [ ["Loan Type", fed.typeText || 'N/A', "N/A (General Private)"], ["Est. Annual Interest Rate", `${fspvpl_formatPercent(fed.rate)} (Fixed)`, `${fspvpl_formatPercent(pvt.rate)} (${pvt.rateTypeText || 'N/A'})`], ["Total Loan Fees", fspvpl_formatCurrency(fed.totalFees), fspvpl_formatCurrency(pvt.totalFees)], ["Est. Monthly Payment (EMI)", fspvpl_formatCurrency(fed.calculated.emi), fspvpl_formatCurrency(pvt.calculated.emi)], ["Total Interest Paid", fspvpl_formatCurrency(fed.calculated.totalInterest), fspvpl_formatCurrency(pvt.calculated.totalInterest)], ["Total Finance Charge", fspvpl_formatCurrency(fed.calculated.totalFinanceCharge), fspvpl_formatCurrency(pvt.calculated.totalFinanceCharge)], [{content:"Total Amount Repaid", styles:{fontStyle:'bold'}}, {content:fspvpl_formatCurrency(fed.calculated.totalRepayment), styles:{fontStyle:'bold'}}, {content:fspvpl_formatCurrency(pvt.calculated.totalRepayment), styles:{fontStyle:'bold'}}] ]; doc.autoTable({ startY: startY, head: [['Feature', 'Federal Student Loan', 'Private Student Loan']], body: tableBody, theme: 'grid', headStyles: { fillColor: tableHeadFillColor, textColor: 255, fontSize:10, fontStyle:'bold' }, styles: { fontSize: 9, cellPadding: 2.5 }, margin: { left: 14, right: 14 }, columnStyles: { 0: { fontStyle: 'bold', cellWidth: 55 }, 1: { textColor: [federalColorArr.r, federalColorArr.g, federalColorArr.b], cellWidth: 'auto' }, 2: { textColor: [privateColorArr.r, privateColorArr.g, privateColorArr.b], cellWidth: 'auto' } } }); startY = doc.autoTable.previous.finalY + 12; doc.setFontSize(11); doc.setTextColor(secondaryColorRGB.r, secondaryColorRGB.g, secondaryColorRGB.b); doc.text("Key Differences to Consider:", 14, startY); startY += 7; doc.setFontSize(8.5); doc.setTextColor(33,33,33); const keyDifferencesPDF = [ "- Repayment Protections: Federal loans offer IDR plans, deferment, forbearance, and potential forgiveness. Private loans offer fewer protections.", "- Interest Rates: Federal rates are fixed. Private rates can be fixed or variable (variable rates may increase) and are credit-based.", "- Credit Requirements: Most federal student loans for students do not require a credit check. Federal PLUS and private loans do.", "- Tax Benefits: Interest on qualified student loans (both federal and private) may be tax-deductible.", "- Discharge Options: Federal loans offer discharge for death/disability. Private loan options vary." ]; keyDifferencesPDF.forEach(item => { const splitItem = doc.splitTextToSize(item, doc.internal.pageSize.width - 28); doc.text(splitItem, 14, startY); startY += (splitItem.length * (doc.getLineHeight() / doc.internal.scaleFactor * 0.8)) + 1.5; }); startY += 5; doc.setFontSize(10); doc.setTextColor(secondaryColorRGB.r, secondaryColorRGB.g, secondaryColorRGB.b); doc.text("Guidance:", 14, startY); startY += 6; doc.setFontSize(8.5); doc.setTextColor(33,33,33); const guidanceTextPDF = "Federal student loans generally provide more borrower benefits and protections. It's often recommended to exhaust federal loan options (especially Direct Subsidized/Unsubsidized loans) before considering private loans. Compare all loan terms carefully."; const splitGuidance = doc.splitTextToSize(guidanceTextPDF, doc.internal.pageSize.width - 28); doc.text(splitGuidance, 14, startY); doc.setFontSize(9); doc.setTextColor(120); doc.text(`Report generated on: ${new Date().toLocaleDateString()} ${new Date().toLocaleTimeString()}`, 14, doc.internal.pageSize.height - 10); doc.save("Federal_vs_Private_Loan_Analyzer.pdf"); } window.fspvpl_switchTab = fspvpl_switchTab; window.fspvpl_navigateToTab = fspvpl_navigateToTab; window.fspvpl_generatePdf = fspvpl_generatePdf; window.fspvpl_updateTotalFederalFeesDisplay = fspvpl_updateTotalFederalFeesDisplay; window.fspvpl_updateTotalPrivateFeesDisplay = fspvpl_updateTotalPrivateFeesDisplay;