How can I work out the BBVA loan repayments? I know how much the course will cost, and it states the interest rate is currently 4.1%. It also states for the first 24 months is a holiday period then the next 24 months is a reduced rate and then the last remaining 6 year pays the full amount. How can I work out the amount required to pay back during years 2-4 and 4-10?