Total Interest Paid (excluding fees): ${aprcFormatCurrency(totalInterestNominal)}

Total Amount Repaid (Principal + Interest): ${aprcFormatCurrency(totalPaidNominal)}

`; } // --- APR Calculations --- const originationFeeAmount = loanAmount * (originationFeePercent / 100); const totalFees = originationFeeAmount + otherUpfrontFees; const netAmountDisbursed = loanAmount - totalFees; // Amount borrower effectively gets after fees paid from loan proceeds let calculatedAPR = nominalRatePercent; // Default to nominal if no fees or error if (totalFees > 0 && netAmountDisbursed > 0 && !isNaN(monthlyPayment)) { // APR calculation is based on the monthly payment determined by the nominal rate, but the "principal" for APR is net disbursed. calculatedAPR = aprcCalculateAPR(netAmountDisbursed, monthlyPayment, numberOfPayments, nominalRatePercent); } else if (totalFees === 0) { calculatedAPR = nominalRatePercent; // No fees, APR is nominal rate } else if (netAmountDisbursed <= 0) { // Fees exceed or equal loan amount calculatedAPR = NaN; // APR is undefined or extremely high } const totalCostOfCreditWithFees = isNaN(totalInterestNominal) ? NaN : totalInterestNominal + totalFees; const totalRepaidWithFees = isNaN(totalPaidNominal) ? NaN : totalPaidNominal + totalFees; // Note: The total amount repaid in dollars doesn't change based on APR calculation itself; // APR is a *rate* that reflects the fees. The actual repayment schedule is usually based on the nominal rate. // So totalPaidNominal is the actual cash outflow for principal and interest. // The APR calculation helps understand the true *cost percentage*. // Let's adjust what we display for APR side: // Total Repaid with fees is simply the sum of all monthly payments (totalPaidNominal) IF fees were paid out of pocket. // If fees are financed (implicit in netAmountDisbursed), then total cash outflow is still totalPaidNominal. // The APR just tells you that the "true rate" for the net amount you got was higher. aprcCalcData.apr = { calculatedAPR, totalFees, netAmountDisbursed, monthlyPayment, // Monthly payment is the same totalCostOfCreditInclFees: totalCostOfCreditWithFees, totalRepaidOverall: totalPaidNominal // Total cash outflow remains same }; const aprResultsEl = document.getElementById('aprcAprResults'); if (isNaN(calculatedAPR)) { aprResultsEl.innerHTML = `

Based on APR (includes fees)

APR: Undefined

Total Upfront Fees: ${aprcFormatCurrency(totalFees)}

Fees meet or exceed loan amount, making APR calculation undefined.

`; } else { aprResultsEl.innerHTML = `

Based on APR (includes fees)

Total Upfront Fees: ${aprcFormatCurrency(totalFees)}

Net Amount Financed (after fees): ${aprcFormatCurrency(netAmountDisbursed)}

Calculated APR: ${aprcFormatPercent(calculatedAPR)}

Monthly Payment: ${aprcFormatCurrency(monthlyPayment)} (Same payment, higher effective rate due to fees)

Total Cost of Credit (Interest + Fees): ${aprcFormatCurrency(totalCostOfCreditWithFees)}

`; } resultsSectionEl.style.display = 'block'; resultsSectionEl.scrollIntoView({ behavior: 'smooth' }); } function aprcDownloadPDF() { if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF !== 'function') { alert('PDF library (jspdf) is not loaded correctly.'); return; } if (Object.keys(aprcCalcData).length === 0 || !aprcCalcData.inputs || !aprcCalcData.nominal || !aprcCalcData.apr) { alert("Please calculate the comparison first before downloading the PDF."); return; } const JsPDFConstructor = window.jspdf.jsPDF; const pdf = new JsPDFConstructor('p', 'pt', 'a4'); let yPos = 40; const m = 40; // Margin const pw = pdf.internal.pageSize.getWidth(); const cw = pw - (2 * m); const lineH = 14; const sectionGap = 10; pdf.setFontSize(16); pdf.setFont("helvetica", "bold"); pdf.setTextColor(44,62,80); pdf.text("Student Loan APR vs. Interest Rate Comparison", pw/2, yPos, {align:'center'}); yPos += 30; function secTitle(text) { if (yPos > pdf.internal.pageSize.getHeight() - 60) { pdf.addPage(); yPos = m; } pdf.setFontSize(12); pdf.setFont("helvetica", "bold"); pdf.setTextColor(52,73,94); pdf.text(text, m, yPos); yPos += lineH + 4; pdf.setFont("helvetica", "normal"); pdf.setFontSize(10); pdf.setTextColor(51,51,51); } function addLn(label, value, isBoldVal = false) { if (yPos > pdf.internal.pageSize.getHeight() - 25) { pdf.addPage(); yPos = m; } const valStr = String(value !== undefined && value !== null ? value : "N/A"); pdf.setFont("helvetica", "normal"); pdf.text(label + ":", m, yPos); if(isBoldVal) pdf.setFont("helvetica", "bold"); const splitVal = pdf.splitTextToSize(valStr, cw - 180); pdf.text(splitVal, m + 170, yPos); if(isBoldVal) pdf.setFont("helvetica", "normal"); yPos += (splitVal.length * (lineH * 0.75)) + (lineH * 0.25); } secTitle("Loan Inputs:"); addLn("Loan Amount (Principal)", aprcFormatCurrencyForPdf(aprcCalcData.inputs.loanAmount)); addLn("Nominal Annual Interest Rate", aprcFormatPercent(aprcCalcData.inputs.nominalRatePercent)); addLn("Loan Term", `${aprcCalcData.inputs.loanTermYears} years`); addLn("Origination Fee", `${aprcFormatPercent(aprcCalcData.inputs.originationFeePercent, 3)} (${aprcFormatCurrencyForPdf(aprcCalcData.inputs.loanAmount * aprcCalcData.inputs.originationFeePercent / 100)})`); addLn("Other Upfront Fixed Fees", aprcFormatCurrencyForPdf(aprcCalcData.inputs.otherUpfrontFees)); yPos += sectionGap; secTitle("Based on Nominal Interest Rate:"); if (isNaN(aprcCalcData.nominal.monthlyPayment)) { pdf.setTextColor(192, 57, 43); pdf.text("Error in calculation based on nominal rate.", m, yPos); yPos += lineH; pdf.setTextColor(51,51,51); } else { addLn("Monthly Payment", aprcFormatCurrencyForPdf(aprcCalcData.nominal.monthlyPayment), true); addLn("Total Interest Paid (excl. fees)", aprcFormatCurrencyForPdf(aprcCalcData.nominal.totalInterestPaid)); addLn("Total Amount Repaid (Principal + Interest)", aprcFormatCurrencyForPdf(aprcCalcData.nominal.totalRepaid)); } yPos += sectionGap; secTitle("Based on APR (includes fees):"); if (isNaN(aprcCalcData.apr.calculatedAPR)) { pdf.setTextColor(192, 57, 43); pdf.text("APR is undefined (e.g., fees exceed loan amount).", m, yPos); yPos += lineH; pdf.setTextColor(51,51,51); } else { addLn("Total Upfront Fees Included in APR", aprcFormatCurrencyForPdf(aprcCalcData.apr.totalFees)); addLn("Net Amount Financed (after fees)", aprcFormatCurrencyForPdf(aprcCalcData.apr.netAmountDisbursed)); addLn("Calculated APR", aprcFormatPercent(aprcCalcData.apr.calculatedAPR), true); addLn("Monthly Payment", aprcFormatCurrencyForPdf(aprcCalcData.apr.monthlyPayment), true); addLn("Total Cost of Credit (Interest + Fees)", aprcFormatCurrencyForPdf(aprcCalcData.apr.totalCostOfCreditInclFees)); } yPos += sectionGap; secTitle("Explanation:"); pdf.setFontSize(9); const explanationText = [ "The Nominal Interest Rate is the base rate for borrowing.", "The Annual Percentage Rate (APR) includes the nominal rate PLUS certain fees (like origination fees), giving a more complete cost of borrowing.", "If a loan has fees, the APR will be higher than the nominal rate.", "Use APR to compare different loan offers more accurately." ]; explanationText.forEach(line => { if (yPos > pdf.internal.pageSize.getHeight() - 25) { pdf.addPage(); yPos = m; } const splitLine = pdf.splitTextToSize(line, cw); pdf.text(splitLine, m, yPos); yPos += (splitLine.length * (lineH * 0.8)) + 2; }); pdf.setFontSize(8); pdf.setTextColor(120); if (yPos > pdf.internal.pageSize.getHeight() - 40) { pdf.addPage(); yPos = m; } const disclaimer = "This is an estimate. Always refer to official loan documents (like the Loan Estimate or Truth in Lending disclosure) for precise APR and terms. APR calculation methods can be complex and may vary slightly based on specific regulations and rounding practices."; const splitDisclaimer = pdf.splitTextToSize(disclaimer, cw); pdf.text(splitDisclaimer, m, yPos); pdf.save("APR_vs_InterestRate_Comparison.pdf"); }