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Monthly Payment
Your fixed monthly payment at the repayment term you entered above.
Total Interest Paid
$10,581
Total interest paid over the repayment term you entered above.
Federal Standard Plan (10-Year)
$380
The fixed federal Standard Repayment Plan payment, always calculated over 10 years regardless of the term entered above.
IBR (Income-Based Repayment) Estimate
$176
Estimated IBR payment: 10% (or 15% for pre-2014 borrowers) of income above 150% of the federal poverty guideline, capped at the Standard Plan payment.
RAP (Repayment Assistance Plan) Estimate
$150
Estimated RAP payment: a percentage of AGI based on income bracket, minus $50 per dependent, with a $10/month floor.
Lowest Estimated Monthly Payment
RAP ($150/mo)
Which of the three plans above gives the lowest estimated monthly payment for these numbers.
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