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36:["$","div",null,{"className":"bg-white rounded-lg shadow-sm p-8","children":[["$","h2",null,{"className":"typo-large mb-6 text-mist-950","children":"Frequently Asked Questions"}],["$","div",null,{"className":"space-y-6","children":[["$","div","0",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How is my monthly loan payment calculated?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"It uses a standard amortization formula that factors in your loan amount, interest rate, and term to produce a fixed monthly payment. Each payment covers some principal and some interest, with the split gradually shifting toward principal over time.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","1",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How much difference does the interest rate actually make?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"More than most people expect. On a $20,000 loan over 5 years, going from 5% to 7% adds about $1,116 in total interest. On larger amounts or longer terms, the gap widens fast.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","2",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Should I choose a shorter or longer loan term?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Shorter saves you money. Longer saves you cash flow. If you can handle the higher payment without financial stress, shorter wins every time. If it would strain your budget, go longer and consider making extra payments when you have the room.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","3",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What's the difference between interest rate and APR?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Interest rate is just the borrowing cost. APR rolls in fees and other charges to give you a fuller picture of what the loan costs annually. When you're comparing offers side by side, APR is the more honest number to use.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","4",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Can I save money by paying off my loan early?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Usually, yes — and sometimes a lot. Extra payments reduce principal faster, which means less interest builds up. Just check your loan agreement for prepayment penalties first. Most personal and auto loans don't have them, but some do.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","5",{"className":"pb-6 last:pb-0","children":["$L38","$L39"]}],"$L3a","$L3b","$L3c","$L3d"]}]]}]
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38:["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What types of loans does this calculator work for?"}]
39:["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Any fixed-rate loan with regular monthly payments. Personal loans, auto loans, student loans, fixed-rate mortgages — they all use the same math. It won't work for variable-rate loans where the rate changes, or interest-only loans with non-standard payment structures.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]
3a:["$","div","6",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How much of my income should go toward loan payments?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"The standard guideline is to keep total monthly debt payments under 36% of your gross income. That includes everything — mortgage or rent, car loans, student loans, credit cards. If adding a new loan pushes you past that threshold, you may want to borrow less or extend the term.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3b:["$","div","7",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What credit score do I need for the best rates?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"A score of 740+ generally qualifies you for top-tier rates. Between 670 and 739, you'll get competitive rates but not the absolute best. Below 670, rates climb noticeably. The good news: even a modest score improvement of 30-50 points can drop you into a better rate tier and save you real money.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3c:["$","div","8",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How should I compare different loan offers?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Don't just look at the monthly payment — that's how longer, more expensive loans sneak past you. Compare APR, total interest paid, and any fees. Plug each offer into this calculator to see the full cost side by side.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3d:["$","div","9",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Are biweekly payments worth it?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L33",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Yes, if your lender allows it. Paying every two weeks instead of monthly means you make 26 half-payments per year — the equivalent of 13 monthly payments instead of 12. That single extra payment each year can shorten a 5-year loan by several months and reduce your total interest without much impact on your day-to-day budget.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
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