diff --git a/src/components/PremiumOnboarding/CareerOnboarding.js b/src/components/PremiumOnboarding/CareerOnboarding.js
index cda102a..96cfcc9 100644
--- a/src/components/PremiumOnboarding/CareerOnboarding.js
+++ b/src/components/PremiumOnboarding/CareerOnboarding.js
@@ -48,6 +48,7 @@ const CareerOnboarding = ({ nextStep, prevStep, data, setData, finishNow }) => {
     setCareerObj(navCareerObj);
     localStorage.setItem('selectedCareer', JSON.stringify(navCareerObj));
 
+
     setData(prev => ({
       ...prev,
       career_name : navCareerObj.title,
diff --git a/src/components/PremiumOnboarding/CollegeOnboarding.js b/src/components/PremiumOnboarding/CollegeOnboarding.js
index 5204398..63adc4d 100644
--- a/src/components/PremiumOnboarding/CollegeOnboarding.js
+++ b/src/components/PremiumOnboarding/CollegeOnboarding.js
@@ -434,6 +434,8 @@ useEffect(() => {
 
     setData(prev => ({
       ...prev,
+      interest_rate,
+      loan_term,
       tuition: chosenTuition,
       program_length: chosenProgramLength
     }));
diff --git a/src/components/PremiumOnboarding/ReviewPage.js b/src/components/PremiumOnboarding/ReviewPage.js
index 893ec18..c7648ba 100644
--- a/src/components/PremiumOnboarding/ReviewPage.js
+++ b/src/components/PremiumOnboarding/ReviewPage.js
@@ -1,6 +1,7 @@
 import React from 'react';
 // Hypothetical Button component from your UI library
 import { Button } from '../ui/button.js'; // Adjust path if needed
+import { data } from 'autoprefixer';
 
 /**
  * Helper to format numeric fields for display.
@@ -126,6 +127,8 @@ function ReviewPage({
     <div><strong>Loan Deferral Until Graduation?:</strong> {formatYesNo(collegeData.loan_deferral_until_graduation)}</div>
     <div><strong>Annual Financial Aid:</strong> {formatNum(collegeData.annual_financial_aid)}</div>
     <div><strong>Existing College Debt:</strong> {formatNum(collegeData.existing_college_debt)}</div>
+    <div><strong>Loan Interest Rate:</strong>{formatNum(data.interest_rate)}</div>
+    <div><strong>Loan Term (yrs):</strong>{formatNum(data.loan_term)}</div>
     <div><strong>Extra Monthly Payment:</strong> {formatNum(collegeData.extra_payment)}</div>
     <div><strong>Expected Graduation:</strong> {collegeData.expected_graduation || 'N/A'}</div>
     <div><strong>Expected Salary:</strong> {formatNum(collegeData.expected_salary)}</div>
diff --git a/src/utils/FinancialProjectionService.js b/src/utils/FinancialProjectionService.js
index 998fcba..065bdd8 100644
--- a/src/utils/FinancialProjectionService.js
+++ b/src/utils/FinancialProjectionService.js
@@ -120,6 +120,7 @@ const {
 
   // Student-loan config ----------------------------------------
   studentLoanAmount:           _studentLoanAmount           = 0,
+  existing_college_debt:       _existingCollegeDebt         = 0,
   interestRate:                _interestRate                = 5,
   loanTerm:                    _loanTerm                    = 10,
   loanDeferralUntilGraduation                            = false,
@@ -172,6 +173,7 @@ const additionalIncome             = num(_additionalIncome);
 const extraPayment                 = num(_extraPayment);
 
 const studentLoanAmount            = num(_studentLoanAmount);
+const existingCollegeDebt          = num(_existingCollegeDebt);
 const interestRate                 = num(_interestRate);
 const loanTerm                     = num(_loanTerm);
 const isProgrammeActive =
@@ -316,18 +318,11 @@ function simulateDrawdown(opts){
   /***************************************************
    * 5) LOAN PAYMENT (if not deferring)
    ***************************************************/
+  const initialLoanPrincipal = studentLoanAmount + existingCollegeDebt;
+
   let monthlyLoanPayment = loanDeferralUntilGraduation
     ? 0
-    : calculateLoanPayment(studentLoanAmount, interestRate, loanTerm);
-
-  // Log the initial loan info:
-  console.log("Initial loan payment setup:", {
-    studentLoanAmount,
-    interestRate,
-    loanTerm,
-    loanDeferralUntilGraduation,
-    monthlyLoanPayment
-  });
+    : calculateLoanPayment(initialLoanPrincipal, interestRate, loanTerm);
 
   /***************************************************
    * 6) SETUP FOR THE SIMULATION LOOP