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Calculate student loan installments

Calculate monthly payments, interest, repayment schedules for education loans from OSMEP Bank.

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Student Loan Installments Calculator

The Student Loan Installments Calculator estimates a loan and interest estimate for your scenario from the quantities, rates, period, units and other assumptions requested on the page. Replace the example values with your own student loan installments figures and recalculate after changing an assumption. Use it to compare scenarios, then verify any current rate or fee before acting.

Calculate monthly payments, interest and principal amounts of your student loan with a complete repayment schedule.

Formula: Rate = principal × [interest rate (1 + interest rate)^month] ÷ [(1 + interest rate)^month − 1]

Formulas used

  • instalment = principal × [monthly interest rate (1 + monthly interest rate)^number of months] ÷ [(1 + monthly interest rate)^number of months − 1]
  • Monthly interest rate = annual interest rate ÷ 12
  • Number of months = Period(years) × 12
  • Total interest = (payments x number of months) - principal
Disclaimer: Interest rates and loan terms may change. This calculation is an estimate. You should check with the borrowing financial institution for the exact terms and rates.

Official reference source

Check before using results

Use the results to compare offers.

Installments and interest are numbers for preliminary screening of plans. Before actually applying, you should compare rates, fees, and conditions from service providers.

  • Calculated based on the principal, rate and term you enter.
  • This does not include certain types of fees, insurance or specific promotional conditions.
  • The total installment should not put pressure on monthly cash flow.
Bank of ThailandCalculation method and references

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Frequently asked questions

What is a study loan?
The student loan or education loan is a loan designed to help students or parents pay tuition and education expenses. The loan is available from various sources such as the Government Bank, Commercial Bank, Small and Medium-Sized Enterprises (OSMEP) and other financial institutions.
What is the interest rate on the study loan?
Interest rates vary according to the source of loan. The BSBCs have the lowest interest rate (about 3-5% per year) while commercial banks may charge higher interest (5-8% per year). It is recommended to compare interest rates and terms from several sources before choosing.
How many years is the loan repayment period?
The repayment period is generally between 5 to 15 years (60–180 months) depending on the amount of loan and the policy of each financial institution. Some sources may have the right to a repayment moratorium for a period of time.
Is there a broadcast interest rate loan study?
Yes, the Thai government has a program to reduce/exempt interest on student loans for eligible borrowers, such as those working in underdeveloped areas or in government-supported occupations. You should check eligibility with the financial institution that is lending you.

English calculator guide

How to use the Student Loan Installments Calculator

Use this page to test a specific student loan installments scenario. Enter your own values in the calculator above, review the units beside each field, and recalculate after changing an assumption. The result updates the student loan installments estimate instead of relying on a generic example.

  1. Build a baseline student loan installments case with figures that match your situation.
  2. Run a second student loan installments case after changing the rate, period, quantity or other key assumption.
  3. Record the difference between the two student loan installments results and the input responsible for it.

Inputs for the student loan installments estimate

For this student loan installments calculation, check the quantities, rates, period, units and other assumptions requested on the page. The result is designed to show a loan and interest estimate for your scenario, not a guaranteed provider price or official decision.

How the student loan installments result is calculated

The calculator models principal, interest, repayment timing and term using the assumptions shown on the page. Reusing the same student loan installments inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.

Checks for a student loan installments decision

Confirm any current rate, threshold or provider rule that could change the final amount. For student loan installments, Use the result as a planning estimate and confirm any rate, rule or threshold that may have changed before acting. Check the important inputs and any current provider or authority rules before using the result for a decision.

Language QA
Terminology, numeric values and calculator controls checked
Calculator scope
Loan and interest
Last English review
26 July 2026

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