Hi Stacy

carrob's formula is the one. Might i also suggest that you use a cell (possibly even with a drop down box for data validation) that you can enter the variables into. This makes the sheet more flexible.

So using carrob's formula, instead of the sections "=3.25" and "=360", use a cell reference of say D1 and D2.

Then you can enter into D1 any rate that you want to search for, and in D2 have any term.
It will then give you a sum of all of the loans that meet the criteria.

the data validation will help if you only have specific terms or rates, so you can pick them from a drop down box.

Hope this helps make your sheet more valuable.