Please complete all previous tabs to view the comparison.

'; } if(slvpl_domElements.pdfDownloadBtn) slvpl_domElements.pdfDownloadBtn.classList.add('slvpl-hidden'); } } function slvpl_navigateToTab(targetTabId) { const currentActiveTabLink = document.querySelector('.slvpl-tab-link.slvpl-active'); if (!currentActiveTabLink) { console.error("Current active tab link not found."); return; } const currentTabId = currentActiveTabLink.getAttribute('data-tab'); let proceed = true; if (currentTabId === 'slvpl-tab1' && (targetTabId === 'slvpl-tab2' || targetTabId === 'slvpl-tab3' || targetTabId === 'slvpl-tab4')) { proceed = slvpl_validateTab1(); } else if (currentTabId === 'slvpl-tab2' && (targetTabId === 'slvpl-tab3' || targetTabId === 'slvpl-tab4')) { if (!slvpl_validateTab1()) { const tab1Button = document.querySelector('.slvpl-tab-link[data-tab="slvpl-tab1"]'); if (tab1Button) tab1Button.click(); return; } proceed = slvpl_validateTab2(); } else if (currentTabId === 'slvpl-tab3' && targetTabId === 'slvpl-tab4') { if (!slvpl_validateTab1()) { const tab1Button = document.querySelector('.slvpl-tab-link[data-tab="slvpl-tab1"]'); if (tab1Button) tab1Button.click(); return; } if (!slvpl_validateTab2()) { const tab2Button = document.querySelector('.slvpl-tab-link[data-tab="slvpl-tab2"]'); if (tab2Button) tab2Button.click(); return; } proceed = slvpl_validateTab3(); } if (proceed) { const targetTabButton = document.querySelector(`.slvpl-tab-link[data-tab="${targetTabId}"]`); if (targetTabButton) targetTabButton.click(); } } function slvpl_calculateLoanDetails(principal, annualRate, termYears, totalFees) { const effectivePrincipal = principal + totalFees; // Fees are financed const monthlyRate = (annualRate / 100) / 12; const numberOfMonths = termYears * 12; let emi = 0; if (effectivePrincipal <= 0 || numberOfMonths <= 0) { // If no principal or term return { emi: 0, totalInterest: 0, totalRepayment: 0, totalFinanceCharge: totalFees }; } if (monthlyRate === 0) { emi = effectivePrincipal / numberOfMonths; } 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; // Total interest here is interest on (principal + fees) const totalInterestOnEffectivePrincipal = (totalRepayment > effectivePrincipal) ? totalRepayment - effectivePrincipal : 0; // Total Finance Charge = Total Interest on Effective Principal + Fees (which were part of effective principal) // More simply: Total Finance Charge = Total Repayment - Original Loan Amount Requested const totalFinanceCharge = totalRepayment - principal; return { emi: emi, totalInterest: totalInterestOnEffectivePrincipal, // This is interest portion related to (Loan + Fees) totalRepayment: totalRepayment, totalFinanceCharge: totalFinanceCharge > 0 ? totalFinanceCharge : 0 }; } function slvpl_calculateAndDisplayComparison() { if (!slvpl_validateTab1()) { slvpl_domElements.resultsContainer.innerHTML = '

Please correct errors in Tab 1: Loan Basics.

'; slvpl_domElements.pdfDownloadBtn.classList.add('slvpl-hidden'); return; } if (!slvpl_validateTab2()) { slvpl_domElements.resultsContainer.innerHTML = '

Please correct errors in Tab 2: Student Loan Details.

'; slvpl_domElements.pdfDownloadBtn.classList.add('slvpl-hidden'); return; } if (!slvpl_validateTab3()) { slvpl_domElements.resultsContainer.innerHTML = '

Please correct errors in Tab 3: Personal Loan Details.

'; slvpl_domElements.pdfDownloadBtn.classList.add('slvpl-hidden'); return; } // Student Loan Calculations slvpl_loanData.studentLoan.calculated = slvpl_calculateLoanDetails( slvpl_loanData.loanAmount, slvpl_loanData.studentLoan.rate, slvpl_loanData.loanTermYears, slvpl_loanData.studentLoan.totalFees ); // Personal Loan Calculations slvpl_loanData.personalLoan.calculated = slvpl_calculateLoanDetails( slvpl_loanData.loanAmount, slvpl_loanData.personalLoan.rate, slvpl_loanData.loanTermYears, slvpl_loanData.personalLoan.totalFees ); const sl = slvpl_loanData.studentLoan; const pl = slvpl_loanData.personalLoan; if(slvpl_domElements.resultsContainer) { slvpl_domElements.resultsContainer.innerHTML = `

Loan Comparison for ${slvpl_formatCurrency(slvpl_loanData.loanAmount)} over ${slvpl_loanData.loanTermYears} years

Feature	Student Loan	Personal Loan
Est. Annual Interest Rate	${slvpl_formatPercent(sl.rate)}	${slvpl_formatPercent(pl.rate)}
Total Loan Fees	${slvpl_formatCurrency(sl.totalFees)}	${slvpl_formatCurrency(pl.totalFees)}
Monthly Payment (EMI)	${slvpl_formatCurrency(sl.calculated.emi)}	${slvpl_formatCurrency(pl.calculated.emi)}
Total Interest Paid	${slvpl_formatCurrency(sl.calculated.totalInterest)}	${slvpl_formatCurrency(pl.calculated.totalInterest)}
Total Finance Charge (Interest + Fees)	${slvpl_formatCurrency(sl.calculated.totalFinanceCharge)}	${slvpl_formatCurrency(pl.calculated.totalFinanceCharge)}
Total Amount Repaid	${slvpl_formatCurrency(sl.calculated.totalRepayment)}	${slvpl_formatCurrency(pl.calculated.totalRepayment)}

`; } 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;