// Calculate
		
function calculateReduction(amt) {

	var PRINCIPAL    = amt * 1000;
	var CURRENT_RATE = 7.14; // adjust to reflect current unconsolidated interest rate
	var CONSOL_RATE  = 7.25; // adjust to reflect new consolidated interest rate
	var RATE_ADJUST  = 1200		

	var currTerm     = null;
	var currInterest = null;
	var currEstimate = null;
	var currPayment  = null;
	
	var newTerm      = null;
	var newInterest  = null;
	var newEstimate  = null;
	var newPayment   = null;

	if (amt == "none") {
		document.paymentCalc.CP.value = "";
		document.paymentCalc.NP.value = "";
		document.paymentCalc.PR.value = "";
		}
		
	else {
	
		// CURRENT PAYMENT CALCULATIONS
		currTerm     = 120;
		currInterest = CURRENT_RATE / RATE_ADJUST;
		currEstimate = PRINCIPAL * currInterest / (1 - (Math.pow(1/(1 + currInterest), currTerm)));
		currPayment  = currEstimate.toFixed(2);
		document.paymentCalc.CP.value = "$" + currPayment;

		// NEW PAYMENT CALCULATIONS
		// BEGIN CONSOLIDATED LOAN TERM ADJUSTMENT
			if (amt >= 10 && amt < 20)
				newTerm = 180;
			if (amt >= 20 && amt < 40)
				newTerm = 240;
			if (amt >= 40 && amt < 60)
				newTerm = 300;
			if (amt >= 60 && amt <= 200)
				newTerm = 360;
		// END CONSOLIDATED LOAN TERM ADJUSTMENT
		newInterest  = CONSOL_RATE / RATE_ADJUST;
		newEstimate  = PRINCIPAL * newInterest / (1 - (Math.pow(1/(1 + newInterest), newTerm)));
		newPayment   = newEstimate.toFixed(2);
		document.paymentCalc.NP.value = "$" + newPayment;
		
		// DETERMINE TOTAL PAYMENT REDUCTION
		var paymentReduction = (currPayment - newPayment).toFixed(2);
		document.paymentCalc.PR.value = "$" + paymentReduction;
	}
}


function calculateReduction2(amt) {

	var PRINCIPAL    = amt * 1000;
	var CURRENT_RATE = 7.14; // adjust to reflect current unconsolidated interest rate
	var CONSOL_RATE  = 6.625; // adjust to reflect new consolidated interest rate
	var RATE_ADJUST  = 1200		

	var currTerm     = null;
	var currInterest = null;
	var currEstimate = null;
	var currPayment  = null;
	
	var newTerm      = null;
	var newInterest  = null;
	var newEstimate  = null;
	var newPayment   = null;

	if (amt == "none") {
		document.paymentCalcc.CPP.value = "";
		document.paymentCalcc.NPP.value = "";
		document.paymentCalcc.PRR.value = "";
		}
		
	else {
	
		// CURRENT PAYMENT CALCULATIONS
		currTerm     = 120;
		currInterest = CURRENT_RATE / RATE_ADJUST;
		currEstimate = PRINCIPAL * currInterest / (1 - (Math.pow(1/(1 + currInterest), currTerm)));
		currPayment  = currEstimate.toFixed(2);
		document.paymentCalcc.CPP.value = "$" + currPayment;

		// NEW PAYMENT CALCULATIONS
		// BEGIN CONSOLIDATED LOAN TERM ADJUSTMENT
			if (amt >= 10 && amt < 20)
				newTerm = 180;
			if (amt >= 20 && amt < 40)
				newTerm = 240;
			if (amt >= 40 && amt < 60)
				newTerm = 300;
			if (amt >= 60 && amt <= 200)
				newTerm = 360;
		// END CONSOLIDATED LOAN TERM ADJUSTMENT
		newInterest  = CONSOL_RATE / RATE_ADJUST;
		newEstimate  = PRINCIPAL * newInterest / (1 - (Math.pow(1/(1 + newInterest), newTerm)));
		newPayment   = newEstimate.toFixed(2);
		document.paymentCalcc.NPP.value = "$" + newPayment;
		
		// DETERMINE TOTAL PAYMENT REDUCTION
		var paymentReduction = (currPayment - newPayment).toFixed(2);
		document.paymentCalcc.PRR.value = "$" + paymentReduction;
	}
}

function calculateReduction3(amt) {

	var PRINCIPAL    = amt * 1000;
	var CURRENT_RATE = 7.14; // adjust to reflect current unconsolidated interest rate
	var CONSOL_RATE  = 6.625; // adjust to reflect new consolidated interest rate
	var RATE_ADJUST  = 1200		

	var currTerm     = null;
	var currInterest = null;
	var currEstimate = null;
	var currPayment  = null;
	
	var newTerm      = null;
	var newInterest  = null;
	var newEstimate  = null;
	var newPayment   = null;

	if (amt == "none") {
		document.paymentCalcd.CPD.value = "";
		document.paymentCalcd.NPD.value = "";
		document.paymentCalcd.PRD.value = "";
		}
		
	else {
	
		// CURRENT PAYMENT CALCULATIONS
		currTerm     = 120;
		currInterest = CURRENT_RATE / RATE_ADJUST;
		currEstimate = PRINCIPAL * currInterest / (1 - (Math.pow(1/(1 + currInterest), currTerm)));
		currPayment  = currEstimate.toFixed(2);
		document.paymentCalcd.CPD.value = "$" + currPayment;

		// NEW PAYMENT CALCULATIONS
		// BEGIN CONSOLIDATED LOAN TERM ADJUSTMENT
			if (amt >= 10 && amt < 20)
				newTerm = 180;
			if (amt >= 20 && amt < 40)
				newTerm = 240;
			if (amt >= 40 && amt < 60)
				newTerm = 300;
			if (amt >= 60 && amt <= 200)
				newTerm = 360;
		// END CONSOLIDATED LOAN TERM ADJUSTMENT
		newInterest  = CONSOL_RATE / RATE_ADJUST;
		newEstimate  = PRINCIPAL * newInterest / (1 - (Math.pow(1/(1 + newInterest), newTerm)));
		newPayment   = newEstimate.toFixed(2);
		document.paymentCalcd.NPD.value = "$" + newPayment;
		
		// DETERMINE TOTAL PAYMENT REDUCTION
		var paymentReduction = (currPayment - newPayment).toFixed(2);
		document.paymentCalcd.PRD.value = "$" + paymentReduction;
	}
}

function calculateReduction4(amt) {

	var PRINCIPAL    = amt * 1000;
	var CURRENT_RATE = 7.14; // adjust to reflect current unconsolidated interest rate
	var CONSOL_RATE  = 6.375; // adjust to reflect new consolidated interest rate
	var RATE_ADJUST  = 1200		

	var currTerm     = null;
	var currInterest = null;
	var currEstimate = null;
	var currPayment  = null;
	
	var newTerm      = null;
	var newInterest  = null;
	var newEstimate  = null;
	var newPayment   = null;

	if (amt == "none") {
		document.paymentCalce.CPE.value = "";
		document.paymentCalce.NPE.value = "";
		document.paymentCalce.PRE.value = "";
		}
		
	else {
	
		// CURRENT PAYMENT CALCULATIONS
		currTerm     = 120;
		currInterest = CURRENT_RATE / RATE_ADJUST;
		currEstimate = PRINCIPAL * currInterest / (1 - (Math.pow(1/(1 + currInterest), currTerm)));
		currPayment  = currEstimate.toFixed(2);
		document.paymentCalce.CPE.value = "$" + currPayment;

		// NEW PAYMENT CALCULATIONS
		// BEGIN CONSOLIDATED LOAN TERM ADJUSTMENT
			if (amt >= 10 && amt < 20)
				newTerm = 180;
			if (amt >= 20 && amt < 40)
				newTerm = 240;
			if (amt >= 40 && amt < 60)
				newTerm = 300;
			if (amt >= 60 && amt <= 200)
				newTerm = 360;
		// END CONSOLIDATED LOAN TERM ADJUSTMENT
		newInterest  = CONSOL_RATE / RATE_ADJUST;
		newEstimate  = PRINCIPAL * newInterest / (1 - (Math.pow(1/(1 + newInterest), newTerm)));
		newPayment   = newEstimate.toFixed(2);
		document.paymentCalce.NPE.value = "$" + newPayment;
		
		// DETERMINE TOTAL PAYMENT REDUCTION
		var paymentReduction = (currPayment - newPayment).toFixed(2);
		document.paymentCalce.PRE.value = "$" + paymentReduction;
	}
}

// End -->