I have a sheet for students who joing for different programmes at different times in the year. They have a perfectly free choice of instalment payment plan but the more instalments they choose the more they pay.
In my sheet I am attempting to see what cash flow would be like for students who join and to correctly capture the right payments at the right time throughout the five years years, of old students and new students. in 2010 october, D18-D22 takes care of the spread of instalments. Columns B-G and rows 3-10 are to calculate what the actual instalment price will be and the main factors are J2-J4.
Clearly as a beginner i should never have started this - but not only does the PMT give a negative amount (?) but I cannot seem to have the correct payments flow forward through the months so that i can capture the still outstanding payments due for older students and capture the new activity for the new students.
The result does not need to be beautiful but i would like it to be accurate. Can anyone help, i have emptied my sheet more or less but just still show the structure?
Thanks
Julia
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