Tax Deductibility: Interest paid on qualified student loans is often tax-deductible in the U.S., potentially lowering your effective cost. Personal loan interest for education is typically not.
Repayment Flexibility: Student loans (especially federal) usually offer more flexible repayment options, such as income-driven plans, deferment, and forbearance during financial hardship. Personal loans are generally less flexible.
Grace Period: Many student loans offer a grace period after you leave school before repayments begin. Personal loans usually require payments to start soon after disbursement.
Use of Funds: Student loans are for qualified education expenses. Personal loans can be used for any purpose, offering more flexibility but lacking student-specific protections.
Interest Rates: Federal student loans often have fixed rates set by the government. Private student loan and personal loan rates vary based on creditworthiness and market conditions; personal loan rates can often be higher.
Guidance: Carefully compare all terms. Student loans are specifically designed for education and often come with benefits and protections not available with personal loans. Choose the option that best suits your long-term financial well-being and educational goals.
`;
}
if (slvpl_domElements.pdfDownloadBtn) {
slvpl_domElements.pdfDownloadBtn.classList.remove('slvpl-hidden');
}
}
function slvpl_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 slvpl_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. Please try again later."); return;
}
if (!slvpl_validateTab1() || !slvpl_validateTab2() || !slvpl_validateTab3()) {
alert("Please ensure all inputs are correctly filled before generating PDF.");
if (!slvpl_validateTab1()) slvpl_navigateToTab('slvpl-tab1');
else if (!slvpl_validateTab2()) slvpl_navigateToTab('slvpl-tab2');
else if (!slvpl_validateTab3()) slvpl_navigateToTab('slvpl-tab3');
return;
}
slvpl_calculateAndDisplayComparison();
if (slvpl_domElements.resultsContainer && slvpl_domElements.resultsContainer.innerHTML.includes("slvpl-error-message")) {
alert("Cannot generate PDF due to errors in input or calculation. Please correct them."); return;
}
const ActualJsPDF = window.jspdf.jsPDF;
const doc = new ActualJsPDF();
const { loanAmount, loanTermYears, studentLoan, personalLoan } = slvpl_loanData;
doc.setFontSize(18);
const primaryColorRGB = slvpl_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--slvpl-primary-color').trim());
const secondaryColorRGB = slvpl_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--slvpl-secondary-color').trim());
if (primaryColorRGB) doc.setTextColor(primaryColorRGB.r, primaryColorRGB.g, primaryColorRGB.b); else doc.setTextColor(25,118,210);
doc.text("Student Loan vs. Personal Loan Comparison", 105, 20, null, null, "center");
doc.setFontSize(11);
doc.setTextColor(51,51,51);
let startY = 30;
doc.text(`Loan Amount: ${slvpl_formatCurrency(loanAmount)} | Loan Term: ${loanTermYears} years`, 14, startY);
startY += 10;
const tableHeadFillColor = secondaryColorRGB ? [secondaryColorRGB.r, secondaryColorRGB.g, secondaryColorRGB.b] : [13,71,161];
const studentLoanColorArr = slvpl_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--slvpl-student-loan-color').trim()) || {r:46,g:125,b:50};
const personalLoanColorArr = slvpl_hexToRgb(getComputedStyle(document.documentElement).getPropertyValue('--slvpl-personal-loan-color').trim()) || {r:255,g:143,b:0};
const tableColumnStyles = {
0: { cellWidth: 60, fontStyle: 'bold' },
1: { cellWidth: 'auto', textColor: [studentLoanColorArr.r, studentLoanColorArr.g, studentLoanColorArr.b] },
2: { cellWidth: 'auto', textColor: [personalLoanColorArr.r, personalLoanColorArr.g, personalLoanColorArr.b] }
};
const tableBody = [
["Est. Annual Interest Rate", slvpl_formatPercent(studentLoan.rate), slvpl_formatPercent(personalLoan.rate)],
["Total Loan Fees", slvpl_formatCurrency(studentLoan.totalFees), slvpl_formatCurrency(personalLoan.totalFees)],
["Monthly Payment (EMI)", slvpl_formatCurrency(studentLoan.calculated.emi), slvpl_formatCurrency(personalLoan.calculated.emi)],
["Total Interest Paid", slvpl_formatCurrency(studentLoan.calculated.totalInterest), slvpl_formatCurrency(personalLoan.calculated.totalInterest)],
["Total Finance Charge (Interest + Fees)", slvpl_formatCurrency(studentLoan.calculated.totalFinanceCharge), slvpl_formatCurrency(personalLoan.calculated.totalFinanceCharge)],
[{content: "Total Amount Repaid", styles: {fontStyle: 'bold'}},
{content: slvpl_formatCurrency(studentLoan.calculated.totalRepayment), styles: {fontStyle: 'bold'}},
{content: slvpl_formatCurrency(personalLoan.calculated.totalRepayment), styles: {fontStyle: 'bold'}}]
];
doc.autoTable({
startY: startY,
head: [['Feature', 'Student Loan', 'Personal Loan']],
body: tableBody,
theme: 'grid',
headStyles: { fillColor: tableHeadFillColor, textColor: 255, fontSize:10, fontStyle:'bold' },
columnStyles: tableColumnStyles,
styles: { fontSize: 9, cellPadding: 2.5 },
margin: { left: 14, right: 14 }
});
startY = doc.autoTable.previous.finalY + 12;
doc.setFontSize(11);
doc.setTextColor(secondaryColorRGB ? secondaryColorRGB.r : 13, secondaryColorRGB ? secondaryColorRGB.g : 71, secondaryColorRGB ? secondaryColorRGB.b : 161);
doc.text("Key Differences to Consider:", 14, startY); startY += 7;
doc.setFontSize(9);
doc.setTextColor(51,51,51);
const keyDifferences = [
"- Tax Deductibility: Student loan interest is often tax-deductible; personal loan interest typically is not for education.",
"- Repayment Flexibility: Student loans usually offer more options (IDR, deferment, forbearance) than personal loans.",
"- Grace Period: Often available for student loans post-graduation; rare for personal loans (repayment starts sooner).",
"- Use of Funds: Student loans are for education expenses; personal loans can be used for any purpose.",
"- Interest Rates: Federal student loans often have fixed rates. Personal loan rates vary widely with credit."
];
keyDifferences.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 * 0.85)) + 1.5;
});
startY += 5;
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("Student_vs_Personal_Loan_Comparison.pdf");
}
window.slvpl_switchTab = slvpl_switchTab;
window.slvpl_navigateToTab = slvpl_navigateToTab;
window.slvpl_generatePdf = slvpl_generatePdf;
window.slvpl_updateTotalStudentLoanFeesDisplay = slvpl_updateTotalStudentLoanFeesDisplay; // Expose if needed, though listeners are internal
window.slvpl_updateTotalPersonalLoanFeesDisplay = slvpl_updateTotalPersonalLoanFeesDisplay;
