SLC calculator

Debt 25000
interest 0.061

cut of 17775
Future salaries
Sep-16 Future Repayment
Sep-18 M2 24243 24727.86 52.14645
Sep-19 M3 26192 26977.76 69.0207
Sep-20 M4 28207 29335.28 86.7021
Sep-21 M5 30430 31951.5 106.3238
Sep-22 M6 33160 35149.6 130.3095
Sep-23 U1 35571 38060.97 152.1448
Sep-24 U1 35571 38416.68 154.8126
Sep-25 U2 36889 40209.01 168.2551
Sep-26 U2 36889 40577.9 171.0218
Sep-27 U3 38250 42457.5 185.1188
Possible promotions

Notes:
1) Assumed cost of living rise 1% per year accounted for in column D
2) Assumed that the teacher achieves performance increase from M2-U3
on time each year/every other year from U1-U3
 Likely 2017 salary 22467
interest compound repayment monthly total
Jul-17 127.0833 25127.08 36.875025 25090
Aug-17 127.7293 25254.81 36.875025 25218
Sep-17 128.3786 25383.19 36.875025 25346
Oct-17 129.0312 25512.22 36.875025 25475
Nov-17 129.6871 25641.91 36.875025 25605
Dec-17 130.3464 25772.26 36.875025 25735
Jan-18 131.009 25903.27 36.875025 25866
Feb-18 131.6749 26034.94 36.875025 25998
Mar-18 132.3443 26167.28 36.875025 26130
Apr-18 133.017 26300.3 36.875025 26263
May-18 133.6932 26433.99 36.875025 26397
Jun-18 134.3728 26568.37 36.875025 26531
Jul-18 135.0559 26703.42 36.875025 26667
Aug-18 135.7424 26839.17 36.875025 26802
Sep-18 136.4324 26975.6 52.14645 26923
Oct-18 137.126 27112.72 52.14645 27061
Nov-18 137.823 27250.55 52.14645 27198
Dec-18 138.5236 27389.07 52.14645 27337
Jan-19 139.2278 27528.3 52.14645 27476
Feb-19 139.9355 27668.23 52.14645 27616
Mar-19 140.6469 27808.88 52.14645 27757
Apr-19 141.3618 27950.24 52.14645 27898
May-19 142.0804 28092.32 52.14645 28040
Jun-19 142.8026 28235.13 52.14645 28183
Jul-19 143.5286 28378.65 52.14645 28327
Aug-19 144.2582 28522.91 52.14645 28471
Sep-19 144.9915 28667.9 69.0207 28599
Oct-19 145.7285 28813.63 69.0207 28745
Nov-19 146.4693 28960.1 69.0207 28891
Dec-19 147.2138 29107.32 69.0207 29038
Jan-20 147.9622 29255.28 69.0207 29186
Feb-20 148.7143 29403.99 69.0207 29335
Mar-20 149.4703 29553.46 69.0207 29484
Apr-20 150.2301 29703.69 69.0207 29635
May-20 150.9938 29854.69 69.0207 29786
Jun-20 151.7613 30006.45 69.0207 29937
Jul-20 152.5328 30158.98 69.0207 30090
Aug-20 153.3081 30312.29 69.0207 30243
Sep-20 154.0875 30466.38 86.7021 30380
Oct-20 154.8707 30621.25 86.7021 30535
Nov-20 155.658 30776.9 86.7021 30690
Dec-20 156.4493 30933.35 86.7021 30847
Jan-21 157.2445 31090.6 86.7021 31004
Feb-21 158.0439 31248.64 86.7021 31162
Mar-21 158.8473 31407.49 86.7021 31321
Apr-21 159.6547 31567.14 86.7021 31480
May-21 160.4663 31727.61 86.7021 31641
Jun-21 161.282 31888.89 86.7021 31802
Jul-21 162.1019 32050.99 86.7021 31964
Aug-21 162.9259 32213.92 86.7021 32127
Sep-21 163.7541 32377.67 106.32375 32271
Oct-21 164.5865 32542.26 106.32375 32436
Nov-21 165.4232 32707.68 106.32375 32601
Dec-21 166.2641 32873.95 106.32375 32768
Jan-22 167.1092 33041.06 106.32375 32935
Feb-22 167.9587 33209.02 106.32375 33103
Mar-22 168.8125 33377.83 106.32375 33272
Apr-22 169.6706 33547.5 106.32375 33441
May-22 170.5331 33718.03 106.32375 33612
Jun-22 171.4 33889.43 106.32375 33783
Jul-22 172.2713 34061.7 106.32375 33955
Aug-22 173.147 34234.85 106.32375 34129
Sep-22 174.0272 34408.88 130.3095 34279
Oct-22 174.9118 34583.79 130.3095 34453
Nov-22 175.8009 34759.59 130.3095 34629
Dec-22 176.6946 34936.29 130.3095 34806
Jan-23 177.5928 35113.88 130.3095 34984
Feb-23 178.4955 35292.37 130.3095 35162
Mar-23 179.4029 35471.78 130.3095 35341
Apr-23 180.3149 35652.09 130.3095 35522
May-23 181.2315 35833.32 130.3095 35703
Jun-23 182.1527 36015.48 130.3095 35885
Jul-23 183.0787 36198.55 130.3095 36068
Aug-23 184.0093 36382.56 130.3095 36252
Sep-23 184.9447 36567.51 152.144775 36415
Oct-23 185.8848 36753.39 152.144775 36601
Nov-23 186.8297 36940.22 152.144775 36788
Dec-23 187.7795 37128 152.144775 36976
Jan-24 188.734 37316.74 152.144775 37165
Feb-24 189.6934 37506.43 152.144775 37354
Mar-24 190.6577 37697.09 152.144775 37545
Apr-24 191.6269 37888.71 152.144775 37737
May-24 192.601 38081.31 152.144775 37929
Jun-24 193.58 38274.89 152.144775 38123
Jul-24 194.564 38469.46 152.144775 38317
Aug-24 195.5531 38665.01 152.144775 38513
Sep-24 196.5471 38861.56 154.8126 38707
Oct-24 197.5463 39059.11 154.8126 38904
Nov-24 198.5505 39257.66 154.8126 39103
Dec-24 199.5598 39457.22 154.8126 39302
Jan-25 200.5742 39657.79 154.8126 39503
Feb-25 201.5938 39859.38 154.8126 39705
Mar-25 202.6185 40062 154.8126 39907
Apr-25 203.6485 40265.65 154.8126 40111
May-25 204.6837 40470.33 154.8126 40316
Jun-25 205.7242 40676.06 154.8126 40521
Jul-25 206.77 40882.83 154.8126 40728
Aug-25 207.821 41090.65 154.8126 40936
Sep-25 208.8775 41299.53 168.255075 41131
Oct-25 209.9393 41509.47 168.255075 41341
Nov-25 211.0065 41720.47 168.255075 41552
Dec-25 212.0791 41932.55 168.255075 41764
Jan-26 213.1571 42145.71 168.255075 41977
Feb-26 214.2407 42359.95 168.255075 42192
Mar-26 215.3297 42575.28 168.255075 42407
Apr-26 216.4243 42791.7 168.255075 42623
May-26 217.5245 43009.23 168.255075 42841
Jun-26 218.6302 43227.86 168.255075 43060
Jul-26 219.7416 43447.6 168.255075 43279
Aug-26 220.8586 43668.46 168.255075 43500
Sep-26 221.9813 43890.44 171.02175 43719
Oct-26 223.1097 44113.55 171.02175 43943
Nov-26 224.2439 44337.79 171.02175 44167
Dec-26 225.3838 44563.18 171.02175 44392
Jan-27 226.5295 44789.71 171.02175 44619
Feb-27 227.681 45017.39 171.02175 44846
Mar-27 228.8384 45246.23 171.02175 45075
Apr-27 230.0017 45476.23 171.02175 45305
May-27 231.1708 45707.4 171.02175 45536
Jun-27 232.3459 45939.74 171.02175 45769
Jul-27 233.527 46173.27 171.02175 46002
Aug-27 234.7141 46407.99 171.02175 46237
Sep-27 235.9073 46643.89 185.11875 46459
Oct-27 237.1065 46881 185.11875 46696
Nov-27 238.3117 47119.31 185.11875 46934
Dec-27 239.5232 47358.83 185.11875 47174
Jan-28 240.7407 47599.58 185.11875 47414
Feb-28 241.9645 47841.54 185.11875 47656
Mar-28 243.1945 48084.73 185.11875 47900
Apr-28 244.4307 48329.17 185.11875 48144
May-28 245.6733 48574.84 185.11875 48390
Jun-28 246.9221 48821.76 185.11875 48637
Jul-28 248.1773 49069.94 185.11875 48885
Aug-28 249.4389 49319.38 185.11875 49134
224.67 22691.67 cutof 17775 4916.67 9%
1890.973 1481.25 409.7225 36.87503