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The Loan Calculator helps you create a solid financial plan for major expenses. It helps eliminate potentially ugly surprises with the size of a monthly loan payment and, perhaps more importantly, the risks associated with refinancing that may not be apparent - i.e. just because loan rates may drop, refinancing could actually cost you money if you don't refinance fairly early in the loan repayment cycle; this is simply a sad fact of loan payments being mostly interest vs. principal early in the loan payment cycle.
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