Two questions worth answering first.
Both run entirely in your browser — nothing you type here is sent anywhere or stored. Neither one values a practice or suggests a price; they work out what a loan costs and what is left after it.
What the loan actually costs
School debt gets quoted as a monthly payment, which is the one number that hides how long it lasts and what it adds up to. Put the real figures in and both appear — along with what an extra hundred a month would do to them.
Balance, rate and your current monthly payment. The extra field is optional.
Can the practice carry the loan
Acquisition debt is the first call on a practice's cash flow, and it is fixed whatever the year looks like. This works out the payment, then what the practice has left after making it.
Loan amount, rate and term give you the payment. Add collections and operating costs and you also get what the practice has left after making it.