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{"sheet":"Loan calculator","index":0,"n_rows":25,"n_cols":15,"rows_kept":25,"merged":[[2,2,4,8],[3,10,3,12],[3,13,3,14],[4,11,4,12],[4,13,4,14],[6,2,6,8],[23,11,23,12],[23,13,23,14],[24,11,24,12],[24,13,24,14]]}
[]
[]
[null,null,"College Loan \nCalculator"]
[{"$nulls":10},{"v":70000,"d":"$70,000"},null,null,{"$f":"TODAY()-701","v":{"v":44256,"d":"4425600.00%"}}]
[{"$nulls":11},"Estimated Annual Salary After Graduation",null,"Date you begin paying back loans"]
[]
[null,null,"It's suggested that your total monthly student loan repayments do not exceed 8% of your first year annual salary."]
[]
[]
[null,null,"Your combined current monthly payment is:",null,null,{"$f":"IFERROR(CollegeLoans[[#Totals],[Current Monthly Payment]],\"\")","v":{"v":106.06551523907524,"d":"$106.07"}},{"$nulls":5},"Your combined scheduled monthly payment is:",null,null,{"$f":"IFERROR(CollegeLoans[[#Totals],[Scheduled Payment]],0)","v":{"v":190.91792743033542,"d":"$190.92"}}]
[null,null,"Percentage of current monthly income: ",null,null,{"$f":"IFERROR(CollegeLoans[[#Totals],[Current Monthly Payment]]/EstimatedMonthlySalary,\"\")","v":{"v":0.01818265975527004,"d":"1.82%"}},{"$nulls":5},"Percentage of scheduled monthly income:",null,null,{"$f":"IFERROR(CollegeLoans[[#Totals],[Scheduled Payment]]/EstimatedMonthlySalary,\"\")","v":{"v":0.03272878755948608,"d":"3.27%"}}]
[]
[null,null,"GENERAL LOAN DETAILS",{"$nulls":4},"LOAN PAYBACK DATA",{"$nulls":3},"PAYMENT DETAILS"]
[null,null,"Loan No.","Lender","Loan Amount","Annual Interest Rate","Column1","Beginning Date","Length (Yrs)","Ending Date","Column2","Current Monthly Payment","Total Interest","Scheduled Payment","Annual Payment"]
[null,null,"10998M88","Woodgrove Bank",{"v":10000,"d":"$10,000.00"},{"v":0.05,"d":"5.00%"},null,{"v":44595,"d":"4459500.00%"},10,{"$f":"IF(AND(CollegeLoans[[#This Row],[Beginning Date]]>0,CollegeLoans[[#This Row],[Length (Yrs)]]>0),EDATE(CollegeLoans[[#This Row],[Beginning Date]],CollegeLoans[[#This Row],[Length (Yrs)]]*12),\"\")","v":{"v":48247,"d":"4824700.00%"}},null,{"$f":"IFERROR(IF(AND(LoanStartLToday,COUNT(CollegeLoans[[#This Row],[Loan Amount]:[Length (Yrs)]])=4,CollegeLoans[[#This Row],[Beginning Date]]<=TODAY()),PMT(CollegeLoans[[#This Row],[Annual Interest Rate]]/12,CollegeLoans[[#This Row],[Length (Yrs)]]*12,-CollegeLoans[[#This Row],[Loan Amount]],0,0),\"\"),0)","v":{"v":106.06551523907524,"d":"$106.07"}},{"$f":"IFERROR((CollegeLoans[[#This Row],[Scheduled Payment]]*(CollegeLoans[[#This Row],[Length (Yrs)]]*12))-CollegeLoans[[#This Row],[Loan Amount]],\"\")","v":{"v":2727.8618286890287,"d":"$2,727.86"}},{"$f":"IF(COUNTA(CollegeLoans[[#This Row],[Loan Amount]:[Length (Yrs)]])<>4,\"\",PMT(CollegeLoans[[#This Row],[Annual Interest Rate]]/12,CollegeLoans[[#This Row],[Length (Yrs)]]*12,-CollegeLoans[[#This Row],[Loan Amount]],0,0))","v":{"v":106.06551523907524,"d":"$106.07"}},{"$f":"IFERROR(CollegeLoans[[#This Row],[Scheduled Payment]]*12,\"\")","v":{"v":1272.7861828689029,"d":"$1,272.79"}}]
[null,null,"20987N87","Ducat Bank",{"v":8000,"d":"$8,000.00"},{"v":0.05,"d":"5.00%"},null,{"$f":"DATE(YEAR(TODAY()),5,1)","v":{"v":45047,"d":"4504700.00%"}},10,{"$f":"IF(AND(CollegeLoans[[#This Row],[Beginning Date]]>0,CollegeLoans[[#This Row],[Length (Yrs)]]>0),EDATE(CollegeLoans[[#This Row],[Beginning Date]],CollegeLoans[[#This Row],[Length (Yrs)]]*12),\"\")","v":{"v":48700,"d":"4870000.00%"}},null,{"$f":"IFERROR(IF(AND(LoanStartLToday,COUNT(CollegeLoans[[#This Row],[Loan Amount]:[Length (Yrs)]])=4,CollegeLoans[[#This Row],[Beginning Date]]<=TODAY()),PMT(CollegeLoans[[#This Row],[Annual Interest Rate]]/12,CollegeLoans[[#This Row],[Length (Yrs)]]*12,-CollegeLoans[[#This Row],[Loan Amount]],0,0),\"\"),0)","v":""},{"$f":"IFERROR((CollegeLoans[[#This Row],[Scheduled Payment]]*(CollegeLoans[[#This Row],[Length (Yrs)]]*12))-CollegeLoans[[#This Row],[Loan Amount]],\"\")","v":{"v":2182.289462951223,"d":"$2,182.29"}},{"$f":"IF(COUNTA(CollegeLoans[[#This Row],[Loan Amount]:[Length (Yrs)]])<>4,\"\",PMT(CollegeLoans[[#This Row],[Annual Interest Rate]]/12,CollegeLoans[[#This Row],[Length (Yrs)]]*12,-CollegeLoans[[#This Row],[Loan Amount]],0,0))","v":{"v":84.85241219126019,"d":"$84.85"}},{"$f":"IFERROR(CollegeLoans[[#This Row],[Scheduled Payment]]*12,\"\")","v":{"v":1018.2289462951222,"d":"$1,018.23"}}]
[{"$nulls":9},{"$f":"IF(AND(CollegeLoans[[#This Row],[Beginning Date]]>0,CollegeLoans[[#This Row],[Length (Yrs)]]>0),EDATE(CollegeLoans[[#This Row],[Beginning Date]],CollegeLoans[[#This Row],[Length (Yrs)]]*12),\"\")","v":""},null,{"$f":"IFERROR(IF(AND(LoanStartLToday,COUNT(CollegeLoans[[#This Row],[Loan Amount]:[Length (Yrs)]])=4,CollegeLoans[[#This Row],[Beginning Date]]<=TODAY()),PMT(CollegeLoans[[#This Row],[Annual Interest Rate]]/12,CollegeLoans[[#This Row],[Length (Yrs)]]*12,-CollegeLoans[[#This Row],[Loan Amount]],0,0),\"\"),0)","v":""},{"$f":"IFERROR((CollegeLoans[[#This Row],[Scheduled Payment]]*(CollegeLoans[[#This Row],[Length (Yrs)]]*12))-CollegeLoans[[#This Row],[Loan Amount]],\"\")","v":""},{"$f":"IF(COUNTA(CollegeLoans[[#This Row],[Loan Amount]:[Length (Yrs)]])<>4,\"\",PMT(CollegeLoans[[#This Row],[Annual Interest Rate]]/12,CollegeLoans[[#This Row],[Length (Yrs)]]*12,-CollegeLoans[[#This Row],[Loan Amount]],0,0))","v":""},{"$f":"IFERROR(CollegeLoans[[#This Row],[Scheduled Payment]]*12,\"\")","v":""}]
[{"$nulls":9},{"$f":"IF(AND(CollegeLoans[[#This Row],[Beginning Date]]>0,CollegeLoans[[#This Row],[Length (Yrs)]]>0),EDATE(CollegeLoans[[#This Row],[Beginning Date]],CollegeLoans[[#This Row],[Length (Yrs)]]*12),\"\")","v":""},null,{"$f":"IFERROR(IF(AND(LoanStartLToday,COUNT(CollegeLoans[[#This Row],[Loan Amount]:[Length (Yrs)]])=4,CollegeLoans[[#This Row],[Beginning Date]]<=TODAY()),PMT(CollegeLoans[[#This Row],[Annual Interest Rate]]/12,CollegeLoans[[#This Row],[Length (Yrs)]]*12,-CollegeLoans[[#This Row],[Loan Amount]],0,0),\"\"),0)","v":""},{"$f":"IFERROR((CollegeLoans[[#This Row],[Scheduled Payment]]*(CollegeLoans[[#This Row],[Length (Yrs)]]*12))-CollegeLoans[[#This Row],[Loan Amount]],\"\")","v":""},{"$f":"IF(COUNTA(CollegeLoans[[#This Row],[Loan Amount]:[Length (Yrs)]])<>4,\"\",PMT(CollegeLoans[[#This Row],[Annual Interest Rate]]/12,CollegeLoans[[#This Row],[Length (Yrs)]]*12,-CollegeLoans[[#This Row],[Loan Amount]],0,0))","v":""},{"$f":"IFERROR(CollegeLoans[[#This Row],[Scheduled Payment]]*12,\"\")","v":""}]
[{"$nulls":9},{"$f":"IF(AND(CollegeLoans[[#This Row],[Beginning Date]]>0,CollegeLoans[[#This Row],[Length (Yrs)]]>0),EDATE(CollegeLoans[[#This Row],[Beginning Date]],CollegeLoans[[#This Row],[Length (Yrs)]]*12),\"\")","v":""},null,{"$f":"IFERROR(IF(AND(LoanStartLToday,COUNT(CollegeLoans[[#This Row],[Loan Amount]:[Length (Yrs)]])=4,CollegeLoans[[#This Row],[Beginning Date]]<=TODAY()),PMT(CollegeLoans[[#This Row],[Annual Interest Rate]]/12,CollegeLoans[[#This Row],[Length (Yrs)]]*12,-CollegeLoans[[#This Row],[Loan Amount]],0,0),\"\"),0)","v":""},{"$f":"IFERROR((CollegeLoans[[#This Row],[Scheduled Payment]]*(CollegeLoans[[#This Row],[Length (Yrs)]]*12))-CollegeLoans[[#This Row],[Loan Amount]],\"\")","v":""},{"$f":"IF(COUNTA(CollegeLoans[[#This Row],[Loan Amount]:[Length (Yrs)]])<>4,\"\",PMT(CollegeLoans[[#This Row],[Annual Interest Rate]]/12,CollegeLoans[[#This Row],[Length (Yrs)]]*12,-CollegeLoans[[#This Row],[Loan Amount]],0,0))","v":""},{"$f":"IFERROR(CollegeLoans[[#This Row],[Scheduled Payment]]*12,\"\")","v":""}]
[{"$nulls":9},{"$f":"IF(AND(CollegeLoans[[#This Row],[Beginning Date]]>0,CollegeLoans[[#This Row],[Length (Yrs)]]>0),EDATE(CollegeLoans[[#This Row],[Beginning Date]],CollegeLoans[[#This Row],[Length (Yrs)]]*12),\"\")","v":""},null,{"$f":"IFERROR(IF(AND(LoanStartLToday,COUNT(CollegeLoans[[#This Row],[Loan Amount]:[Length (Yrs)]])=4,CollegeLoans[[#This Row],[Beginning Date]]<=TODAY()),PMT(CollegeLoans[[#This Row],[Annual Interest Rate]]/12,CollegeLoans[[#This Row],[Length (Yrs)]]*12,-CollegeLoans[[#This Row],[Loan Amount]],0,0),\"\"),0)","v":""},{"$f":"IFERROR((CollegeLoans[[#This Row],[Scheduled Payment]]*(CollegeLoans[[#This Row],[Length (Yrs)]]*12))-CollegeLoans[[#This Row],[Loan Amount]],\"\")","v":""},{"$f":"IF(COUNTA(CollegeLoans[[#This Row],[Loan Amount]:[Length (Yrs)]])<>4,\"\",PMT(CollegeLoans[[#This Row],[Annual Interest Rate]]/12,CollegeLoans[[#This Row],[Length (Yrs)]]*12,-CollegeLoans[[#This Row],[Loan Amount]],0,0))","v":""},{"$f":"IFERROR(CollegeLoans[[#This Row],[Scheduled Payment]]*12,\"\")","v":""}]
[null,null,"Totals",null,{"$f":"SUBTOTAL(109,CollegeLoans[Loan Amount])","v":{"v":18000,"d":"$18,000.00"}},{"$nulls":6},{"$f":"SUBTOTAL(109,CollegeLoans[Current Monthly Payment])","v":{"v":106.06551523907524,"d":"$106.07"}},{"$f":"SUBTOTAL(109,CollegeLoans[Total Interest])","v":{"v":4910.151291640252,"d":"$4,910.15"}},{"$f":"SUBTOTAL(109,CollegeLoans[Scheduled Payment])","v":{"v":190.91792743033542,"d":"$190.92"}},{"$f":"SUBTOTAL(109,CollegeLoans[Annual Payment])","v":{"v":2291.015129164025,"d":"$2,291.02"}}]
[null,null,"Averages",null,{"$f":"AVERAGE(CollegeLoans[Loan Amount])","v":{"v":9000,"d":"$9,000.00"}},{"$f":"AVERAGE(CollegeLoans[Annual Interest Rate])","v":{"v":0.05,"d":"5.00%"}},{"$nulls":6},{"$f":"AVERAGE(CollegeLoans[Total Interest])","v":{"v":2455.075645820126,"d":"$2,455.08"}},null,{"$f":"AVERAGE(CollegeLoans[Annual Payment])","v":{"v":1145.5075645820125,"d":"$1,145.51"}}]
[]
[{"$nulls":11},"Total consolidated loan payback:",null,"Estimated monthly income after graduation:"]
[{"$nulls":11},{"$f":"CollegeLoans[[#Totals],[Loan Amount]]+CollegeLoans[[#Totals],[Total Interest]]","v":{"v":22910.15129164025,"d":"$22,910.15"}},null,{"$f":"(EstimatedAnnualSalary/12)","v":{"v":5833.333333333333,"d":"$5,833.33"}}]