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Sample Repayment Schedule for Federal Student Loans

Use this chart to estimate your student loan payment based on the Standard Repayment Plan. Figures have been rounded to the nearest whole dollar and represent minimum payments at the interest rate indicated over a maximum of 10 years, and do not include interest that may accumulate during periods of deferment or forbearance. Lower balances may take less than 10 years to repay at the minimum payment of $50. This chart is for estimating purposes only.

If you have a Perkins Loan, view the Sample Repayment Schedule for Perkins Loans.

Federal Direct Subsidized and Unsubsidized Loans – Undergraduate

Total Debt at Repayment* Monthly Payment Amount Total Amount Paid Total Interest Paid
$5,000 $50 $6,005 $1,007
$10,000 $100 $12,013 $2,013
$15,000 $150 $18,020 $3,020
$20,000 $200 $24,026 $4,026
$25,000 $250 $30,033 $5,033
$30,000 $300 $36,039 $6,039
$35,000 $350 $42,046 $7,046
$40,000 $400 $48,052 $8,052
$45,000 $450 $54,059 $9,059
$50,000 $501 $60,065 $10,065
*Payment calculated using a fixed interest rate of 3.76% over a 10 year period.

Federal Direct Unsubsidized Loans – Graduate

Total Debt at Repayment* Monthly Payment Amount Total Amount Paid Total Interest Paid
$5,000 $54 $6,455 $1,455
$10,000 $108 $12,910 $2,910
$15,000 $161 $19,366 $4,365
$20,000 $215 $25,821 $5,821
$25,000 $269 $32,276 $7,276
$30,000 $323 $38,731 $8,731
$35,000 $377 $45,187 $10,187
$40,000 $430 $51,642 $11,642
$45,000 $484 $58,097 $13,097
$50,000 $538 $64,552 $14,552
*Payment calculated using a fixed interest rate of 5.31% over a 10 year period.

Federal Direct PLUS Loan

Total Debt at Repayment* Monthly Payment Amount Total Amount Paid Total Interest Paid
$5,000 $56 $6,755 $1,755
$10,000 $112 $13,510 $3,510
$15,000 $168 $20,265 $5,265
$20,000 $225 $27,020 $7,020
$25,000 $281 $33,775 $8,775
$30,000 $337 $40,530 $10,530
$35,000 $394 $47,285 $12,285
$40,000 $450 $54,040 $14,040
$45,000 $506 $60,795 $15,795
$50,000 $563 $67,550 $17,550
*Payment calculated using a fixed interest rate of 6.31% over a 10 year period.