Number of Payments: ${scenario1.numPayments}

Total Interest Paid: ${tflaFormatCurrency(scenario1.totalInterestPaid)}

Total Amount Paid: ${tflaFormatCurrency(scenario1.totalPaid)}

`; } // Scenario 2: Accelerated Repayment const acceleratedMonthlyPayment = regularPayment + extraPayment; const scenario2 = tflaAmortize(loanBalance, interestRate, acceleratedMonthlyPayment); tflaCalcData.accelerated = scenario2; const acceleratedResultsEl = document.getElementById('tflaAcceleratedResults'); if (scenario2.error) { if(!scenario1.error) { // Don't overwrite if standard already errored errorEl.textContent = `Accelerated Repayment Error: ${scenario2.error}`; errorEl.style.display = 'block'; } acceleratedResultsEl.innerHTML = `

Accelerated Repayment

Error: ${scenario2.error}

`; impactSummaryEl.style.display = 'none'; } else { acceleratedResultsEl.innerHTML = `

Accelerated Repayment (With $${extraPayment.toFixed(2)} Extra/Mo)

Total Monthly Payment: ${tflaFormatCurrency(acceleratedMonthlyPayment)}

Estimated Payoff Time: ${tflaFormatMonthsToYearsMonths(scenario2.monthsToRepay)}

Number of Payments: ${scenario2.numPayments}

Total Interest Paid: ${tflaFormatCurrency(scenario2.totalInterestPaid)}

Total Amount Paid: ${tflaFormatCurrency(scenario2.totalPaid)}

`; } // Savings Summary if (!scenario1.error && !scenario2.error && extraPayment >= 0) { // Allow extraPayment = 0 for comparison const timeSavedMonths = scenario1.monthsToRepay - scenario2.monthsToRepay; const interestSaved = scenario1.totalInterestPaid - scenario2.totalInterestPaid; const paymentsSaved = scenario1.numPayments - scenario2.numPayments; impactSummaryEl.innerHTML = `

Impact of Extra Payments

Loan Paid Off Approx.: ${tflaFormatMonthsToYearsMonths(timeSavedMonths)} Sooner

Estimated Interest Savings: ${tflaFormatCurrency(interestSaved)}

Number of Payments Saved: ${paymentsSaved}

`; impactSummaryEl.style.display = 'block'; tflaCalcData.savings = { timeSavedMonths, interestSaved, paymentsSaved }; } else if (!scenario1.error && !scenario2.error && extraPayment < 0) { // This case is blocked by validation, but as a fallback impactSummaryEl.innerHTML = `

Impact of Extra Payments

Extra payment must be zero or positive.

`; impactSummaryEl.style.display = 'block'; } else { impactSummaryEl.style.display = 'none'; } resultsSectionEl.style.display = 'block'; if(!scenario1.error && !scenario2.error) resultsSectionEl.scrollIntoView({ behavior: 'smooth' }); } function tflaDownloadPDF() { if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF !== 'function') { alert('PDF library (jspdf) is not loaded correctly.'); return; } // const JsPDFAPI = window.jspdf.jsPDF.API; // For AutoTable if used if (Object.keys(tflaCalcData).length === 0 || !tflaCalcData.inputs || !tflaCalcData.standard || !tflaCalcData.accelerated ) { alert("Please perform the calculation first before downloading the PDF."); return; } const JsPDFConstructor = window.jspdf.jsPDF; const pdf = new JsPDFConstructor('p', 'pt', 'a4'); let yPos = 40; const m = 40; // pageMargin const pw = pdf.internal.pageSize.getWidth(); const cw = pw - (2 * m); // contentWidth const lineH = 14; const sectionGap = 10; pdf.setFontSize(16); pdf.setFont("helvetica", "bold"); pdf.setTextColor(44,62,80); pdf.text("Tuition Fee Loan Repayment Acceleration Report", pw/2, yPos, {align:'center'}); yPos += 30; function secTitlePdf(text) { if (yPos > pdf.internal.pageSize.getHeight() - 60) { pdf.addPage(); yPos = m; } pdf.setFontSize(13); pdf.setFont("helvetica", "bold"); pdf.setTextColor(52,73,94); pdf.text(text, m, yPos); yPos += lineH + 5; pdf.setFont("helvetica", "normal"); pdf.setFontSize(10); pdf.setTextColor(51,51,51); } function addLnPdf(label, value, isBoldVal = false, isCurrency = true) { if (yPos > pdf.internal.pageSize.getHeight() - 25) { pdf.addPage(); yPos = m; } const valStr = isCurrency ? tflaFormatCurrencyForPdf(value) : String(value); pdf.setFont("helvetica", "normal"); pdf.text(label + ":", m, yPos); if(isBoldVal) pdf.setFont("helvetica", "bold"); pdf.text(valStr, m + 200, yPos); // Adjust X offset if(isBoldVal) pdf.setFont("helvetica", "normal"); yPos += lineH; } secTitlePdf("Your Loan & Payment Inputs:"); addLnPdf("Loan Principal Balance", tflaCalcData.inputs.loanBalance); addLnPdf("Annual Interest Rate", `${tflaCalcData.inputs.interestRate.toFixed(2)}%`, false, false); addLnPdf("Regular Monthly Payment", tflaCalcData.inputs.regularPayment); addLnPdf("Extra Monthly Payment", tflaCalcData.inputs.extraPayment); yPos += sectionGap; // Standard Repayment if (tflaCalcData.standard) { secTitlePdf("Scenario 1: Standard Repayment (No Extra Payments)"); if (tflaCalcData.standard.error) { pdf.setTextColor(192, 57, 43); pdf.text("Error: " + tflaCalcData.standard.error, m, yPos); yPos += lineH; pdf.setTextColor(51,51,51); } else { addLnPdf("Regular Monthly Payment", tflaCalcData.inputs.regularPayment); addLnPdf("Estimated Payoff Time", tflaFormatMonthsToYearsMonths(tflaCalcData.standard.monthsToRepay), false, false); addLnPdf("Number of Payments", String(tflaCalcData.standard.numPayments), false, false); addLnPdf("Total Interest Paid", tflaCalcData.standard.totalInterestPaid); addLnPdf("Total Amount Paid", tflaCalcData.standard.totalPaid); } yPos += sectionGap; } // Accelerated Repayment if (tflaCalcData.accelerated) { secTitlePdf(`Scenario 2: Accelerated Repayment (With $${tflaCalcData.inputs.extraPayment.toFixed(2)} Extra/Mo)`); if (tflaCalcData.accelerated.error) { pdf.setTextColor(192, 57, 43); pdf.text("Error: " + tflaCalcData.accelerated.error, m, yPos); yPos += lineH; pdf.setTextColor(51,51,51); } else { const totalAcceleratedPayment = tflaCalcData.inputs.regularPayment + tflaCalcData.inputs.extraPayment; addLnPdf("Total Monthly Payment", totalAcceleratedPayment, true); addLnPdf("Estimated Payoff Time", tflaFormatMonthsToYearsMonths(tflaCalcData.accelerated.monthsToRepay), false, true); addLnPdf("Number of Payments", String(tflaCalcData.accelerated.numPayments), false, true); addLnPdf("Total Interest Paid", tflaCalcData.accelerated.totalInterestPaid, true); addLnPdf("Total Amount Paid", tflaCalcData.accelerated.totalPaid, true); } yPos += sectionGap; } // Savings Summary if (tflaCalcData.savings && !tflaCalcData.standard.error && !tflaCalcData.accelerated.error) { secTitlePdf("Impact of Extra Payments:"); pdf.setFont("helvetica", "bold"); pdf.setTextColor(22, 160, 133); // Green Sea addLnPdf("Loan Paid Off Sooner By", tflaFormatMonthsToYearsMonths(tflaCalcData.savings.timeSavedMonths), true, false); addLnPdf("Estimated Interest Savings", tflaCalcData.savings.interestSaved, true, true); addLnPdf("Number of Payments Saved", String(tflaCalcData.savings.paymentsSaved), true, false); pdf.setTextColor(51,51,51); pdf.setFont("helvetica", "normal"); yPos += sectionGap; } pdf.setFontSize(8); pdf.setTextColor(120); if (yPos > pdf.internal.pageSize.getHeight() - 40) { pdf.addPage(); yPos = m; } const disclaimer = "This is an estimate based on the information provided and standard amortization formulas. It assumes extra payments are applied effectively to reduce principal. Actual savings may vary. Always confirm with your lender how extra payments are processed."; const splitDisclaimer = pdf.splitTextToSize(disclaimer, cw); pdf.text(splitDisclaimer, m, yPos); pdf.save("Loan_Repayment_Acceleration_Estimate.pdf"); }