**IMPORTANT:** Numeric entry fields must not contain dollar signs, percent signs, commas, spaces, etc. (only digits 0-9 and decimal points are allowed).

Click the **Terms** tab above for a more detailed description of each entry.

#### Step #1:

Enter the original amount borrowed.

#### Step #2:

Enter the annual interest rate of the loan.

#### Step #3:

Enter the original loan term in the number of monthly payments.

#### Step #4:

Enter the original monthly payment amount.

#### Step #5:

Select the month and enter the 4-digit year of the date of the first payment.

#### Step #6:

Indicate whether or not you have made the payment for the current month.

#### Step #7:

Press the "Create ..." button to populate the payment select menu with the original payment schedule.

#### Step #8:

Change any payment amounts that were (or will be) different from the original payment amount, and enter any adjustments into the *Adjustments* column (enter fees and other principal increases as negative adjustments).

Note that you can expand the *Bulk Edit Form* to make bulk annual payment adjustments to any given month.

#### Step #9:

Once you have made all of the payment revisions, press the "Show Revised Amortization Schedule" button. This will display a scrollable revised amortization schedule, followed by a "Printer Friendly Report" button for printing the schedule, and a "Download CSV File" button for downloading and importing the revised schedule into Excel or Open Office Calc.

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