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system
formula for recalculation of a bad loan, i.e. where payments were missed?
user
there's not quite enough to answer the question in full. for the two years of non-payment, were there any penalties, or just accrued interest? if no penalties, this is a 3 step time-value-of-money calculation. first, take the terms of the loan and figure out the balance after 5 years.  second, for two years, increase the balance by the monthly interest rate.  last, calculate a new payment with a 13 year duration.  excel or any business calculator can handle this.
assistant