Federal Student Loan Repayment Estimator
Balance at
3.86%
5.41%
6.41%
Stafford Rate – Undergraduate
Stafford Rate – Graduate Students
PLUS Rate
8.25%
9.5%
10.5%
Maximum Stafford Rate – Undergraduate Maximum Stafford Rate – Graduate Students
Maximum PLUS Rate
Repayment
Payment
Months
Interest
Payment
Months
Interest
Payment
Months
Interest
Payment
Months
Interest
Payment
Months
Interest
Payment
Months
Interest
$1,000
$50
22
$35
$50
22
$50
$50
22
$60
$50
22
$80
$50
22
$93
$50
23
$104
$2,000
$50
43
$144
$50
45
$210
$50
46
$256
$50
47
$347
$50
49
$414
$50
50
$472
$3,000
$50
67
$339
$50
71
$506
$50
73
$627
$50
78
$882
$50
82
$1,086
$50
86
$1,243
$4,000
$50
93
$632
$50
100
$972
$50
105
$1,232
$50
117
$1,827
$52
120
$2,211
$54
120
$2,477
$6,000
$60
120
$1,242
$65
120
$1,782
$68
120
$2,143
$74
120
$2,831
$78
120
$3,317
$81
120
$3,715
$8,000
$80
120
$1,656
$86
120
$2,376
$90
120
$2,857
$98
120
$3,775
$104
120
$4,422
$108
120
$4,954
$10,000
$101
120
$2,070
$108
120
$2,970
$113
120
$3,571
$123
120
$4,718
$129
120
$5,528
$135
120
$6,192
$20,000
$201
120
$4,139
$216
120
$5,939
$226
120
$7,142
$245
120
$9,437
$259
120 $11,055
$270
120 $12,384
$30,000
$302
120
$6,209
$324
120
$8,909
$339
120 $10,713
$368
120 $14,155
$388
120 $16,583
$405
120 $18,577
$40,000
$402
120
$8,279
$432
120 $11,879
$452
120 $14,283
$491
120 $18,873
$518
120 $22,111
$540
120 $24,769
$50,000
$503
120 $10,349
$540
120 $14,849
$565
120 $17,854
$613
120 $23,592
$647
120 $27,639
$675
120 $30,961
$60,000
$603
120 $12,418
$648
120 $17,818
$679
120 $21,425
$736
120 $28,310
$776
120 $33,166
$810
120 $37,153
This table provides repayment estimates — including
monthly payment, number of payments and total
interest costs — for Stafford and PLUS loans. Estimates
are based on the current interest rates for loans with a first
disbursement between July 1, 2013, and June 30, 2014,
including Stafford loans to undergraduates (3.86%),
Stafford loans to graduate and professional students
(5.41%) and PLUS loans (6.41%). Estimates also are
provided for the maximum interest rates permitted by
law on Stafford loans to undergraduates (8.25%), Stafford
loans to graduate and professional students (9.5%) and
PLUS loans (10.5%).
The table is based on these assumptions:
u
u
u
u
Figures are based on the standard repayment
option — equal monthly installments over a
period of up to 120 months.
Because the minimum monthly payment
required under a standard repayment plan is
$50, certain loan balances will be repaid in less
than 120 months.
Payments and interest amounts are rounded
to the nearest dollar.
These figures are designed as estimates to
provide you with a general idea of payments
and total interest costs. Your actual payment
and interest amounts may vary from
these figures.
u
u
Although repayment examples are provided
for loan balances up to $220,000, annual and
lifetime limits on Stafford loans restrict the
amounts students may borrow.
To estimate payments and total interest
costs for other loan balances, interest rates
and other repayment options, use
USA Funds Student Loan Repayment Calculator
at calculator.usafunds.org.
Federal Student Loan Repayment Estimator
Balance at
3.86%
5.41%
6.41%
Stafford Rate – Undergraduate
Stafford Rate – Graduate Students
PLUS Rate
Repayment
Payment
$75,000
Months
Interest
Payment
$754
120 $15,523
$80,000
$805
$90,000
Months
Interest
Payment
$811
120 $22,273
120 $16,558
$865
$905
120 $18,628
$100,000
$1,006
$110,000
Months
8.25%
9.5%
10.5%
Maximum Stafford Rate – Undergraduate Maximum Stafford Rate – Graduate Students
Interest
Payment
$848
120 $26,782
120 $23,758
$905
$973
120 $26,727
120 $20,697
$1,081
$1,106
120 $22,767
$120,000
$1,207
Months
Interest
Payment
$920
120 $35,387
120 $28,567
$981
$1,018
120 $32,138
120 $29,697
$1,131
$1,189
120 $32,667
120 $24,837
$1,297
Months
Maximum PLUS Rate
Interest
Payment
Months
Interest
$970
120 $41,458
$1,012
120 $46,441
120 $37,747
$1,035
120 $44,222
$1,079
120 $49,538
$1,104
120 $42,465
$1,165
120 $49,749
$1,214
120 $55,730
120 $35,709
$1,227
120 $47,183
$1,294
120 $55,277
$1,349
120 $61,922
$1,244
120 $39,280
$1,349
120 $51,901
$1,423
120 $60,805
$1,484
120 $68,114
120 $35,636
$1,357
120 $42,850
$1,472
120 $56,620
$1,553
120 $66,332
$1,619
120 $74,306
$130,000
$1,308
120 $26,907
$1,405
120 $38,606
$1,470
120 $46,421
$1,594
120 $61,338
$1,682
120 $71,860
$1,754
120 $80,499
$140,000
$1,408
120 $28,976
$1,513
120 $41,576
$1,583
120 $49,992
$1,717
120 $66,056
$1,812
120 $77,388
$1,889
120 $86,691
$150,000
$1,509
120 $31,046
$1,621
120 $44,546
$1,696
120 $53,563
$1,840
120 $70,775
$1,941
120 $82,916
$2,024
120 $92,883
$160,000
$1,609
120 $33,116
$1,729
120 $47,515
$1,809
120 $57,134
$1,962
120 $75,493
$2,070
120 $88,443
$2,159
120 $99,075
$170,000
$1,710
120 $35,185
$1,837
120 $50,485
$1,923
120 $60,705
$2,085
120 $80,211
$2,200
120 $93,971
$2,294
120 $105,267
$180,000
$1,810
120 $37,255
$1,945
120 $53,455
$2,036
120 $64,276
$2,208
120 $84,930
$2,329
120 $99,499
$2,429
120 $111,460
$190,000
$1,911
120 $39,325
$2,054
120 $56,424
$2,149
120 $67,847
$2,330
120 $89,648
$2,459
120 $105,026
$2,564
120 $117,652
$200,000
$2,012
120 $41,395
$2,162
120 $59,394
$2,262
120 $71,417
$2,453
120 $94,366
$2,588
120 $110,554
$2,699
120 $123,844
$210,000
$2,112
120 $43,464
$2,270
120 $62,364
$2,375
120 $74,988
$2,576
120 $99,085
$2,717
120 $116,082
$2,843
120 $130,036
$220,000
$2,213
120 $45,534
$2,378
120 $65,333
$2,488
120 $78,559
$2,698
120 $103,803
$2,847
120 $121,610
$2,969
120 $136,228
The table is based on these assumptions:
u
u
u
Figures are based on the standard repayment
option — equal monthly installments over a
period of up to 120 months.
Because the minimum monthly payment required
under a standard repayment plan is $50, certain loan
balances will be repaid in less than 120 months.
Payments and interest amounts are rounded
to the nearest dollar.
u
u
u
These figures are designed as estimates to provide
you with a general idea of payments and total interest
costs. Your actual payment and interest amounts may
vary from these figures.
Although repayment examples are provided for
loan balances up to $220,000, annual and lifetime
limits on Stafford loans restrict the amounts students
actually may borrow.
To estimate payments and total interest costs for
other loan balances, interest rates and other
repayment options, use USA Funds Student Loan
Repayment Calculator at calculator.usafunds.org.
DPDM142-0713 © 2013 United Student Aid Funds, Inc. All rights reserved.
This table provides repayment estimates — including monthly
payment, number of payments and total interest costs — for
Stafford and PLUS loans. Estimates are based on the current
interest rates for loans with a first disbursement between
July 1, 2013, and June 30, 2014, including Stafford loans to
undergraduates (3.86%), Stafford loans to graduate and
professional students (5.41%) and PLUS loans (6.41%).
Estimates also are provided for the maximum interest rates
permitted by law on Stafford loans to undergraduates (8.25%),
Stafford loans to graduate and professional students (9.5%)
and PLUS loans (10.5%).