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Sample Loan Repayment Charts

(The following charts are for illustration purposes only; you should always consult your lender for information specific to you and your loans.)

Monthly Interest Only Loan Payment Plans
(as for Unsubsidized Stafford Loans during in-school periods)

Principal 2.82% 3.42% 4.22% 5.00% 6.00% 7.00% 8.25% 9.00%
$1,000 $2.35 $2.85 $3.52 $4.17 $5.00 $5.83 $6.88 $7.50
2,000 4.70 5.70 7.03 8.33 10.00 11.67 13.75 15.00
2,625 6.17 7.48 9.23 10.94 13.13 15.31 18.05 19.69
3,500 8.23 9.98 12.31 14.58 17.50 20.42 24.06 26.25
5,000 11.75 14.25 17.58 20.83 25.00 29.17 34.38 37.50
5,500 12.93 15.68 19.34 22.92 27.50 32.08 37.81 41.25
6,125 14.39 17.46 21.54 25.52 30.63 35.73 42.11 45.94
6,625 15.57 18.88 23.30 27.60 33.13 38.65 45.55 46.69
7,000 16.45 19.95 24.62 29.17 35.00 40.83 48.13 52.50
10,000 23.50 28.50 35.17 41.67 50.00 58.33 68.75 75.00
11,625 27.32 33.13 40.88 48.44 58.13 67.81 79.92 87.19
14,125 33.19 40.26 49.67 58.85 70.63 82.40 97.11 105.94
15,000 35.25 42.75 52.75 62.50 75.00 87.50 103.13 112.50
17,125 40.24 48.81 60.22 71.35 85.63 99.90 117.73 128.44
20,000 47.00 57.00 70.33 83.33 100.00 116.67 137.50 150.00
23,000 54.05 65.55 80.88 95.83 115.00 134.17 158.13 172.50
24,625 57.87 70.18 86.60 102.60 123.13 143.65 169.30 184.69
30,000 70.50 85.50 105.50 125.00 150.00 175.00 206.25 225.00
35,125 82.54 100.11 123.52 146.35 175.63 204.90 241.48 263.44
40,000 94.00 114.00 140.67 166.67 200.00 233.33 275.00 300.00
46,000 108.10 131.10 161.77 191.67 230.00 268.33 316.25 345.00
65,500 153.93 186.68 230.34 272.92 327.50 382.08 450.31 491.25
138,500 325.48 394.73 487.06 577.08 692.50 807.92 952.19 1038.75

Standard Repayment - 120 month maximum
Monthly loan repayment chart for most borrowers
Stafford, PLUS, or Perkins

Principal

 # of Payments 2.82% 3.42% 4.22% 5.00% 6.00% 7.00% 8.25% 9.00%
$1,000 21 $50.00* $50.00* $50.00* $50.00* $50.28 $50.73 $51.30 $51.65
2,000 36 58.00 58.53 59.24 59.94 60.84 61.75 62.90 63.90
2,625 57 50.00* 50.00* 50.90 51.83 53.04 54.27 55.82 56.77
3,500 78 50.00* 50.11 51.39 52.65 54.30 55.98 58.12 59.43
5,000 118 50.00* 50.00* 51.84 53.73 56.20 58.73 62.00 64.00
5,500 120 52.65 54.18 56.26 58.34 61.06 63.86 67.46 69.67
6,125 120 58.64 60.34 62.66 64.97 68.00 71.12 75.12 77.59
6,625 120 63.42 65.26 67.77 70.27 73.55 76.92 81.26 83.92
7,000 120 67.01 68.96 71.61 74.25 77.71 81.28 85.86 88.67
10,000 120 95.73 98.51 102.29 106.07 111.02 116.11 122.65 126.68
11,625 120 111.29 114.52 118.92 123.30 129.06 134.98 142.58 147.26
14,125 120 135.22 139.15 144.49 149.82 156.82 164.00 173.25 178.93
15,000 120 143.60 147.77 153.44 159.10 166.53 174.16 183.98 190.01
17,125 120 163.94 168.70 175.18 181.64 190.12 198.84 210.04 216.93
20,000 120 191.46 197.02 204.59 212.13 222.04 232.22 245.31 253.35
23,000 120 220.18 226.58 235.28 243.95 255.35 267.05 282.10 291.35
24,625 120 235.74 242.58 251.90 261.19 273.39 285.92 302.03 311.94
30,000 120 287.20 295.53 306.88 318.20 333.06 348.33 367.96 380.03
35,125 120 336.26 346.02 359.31 372.56 389.96 407.83 430.82 444.95
40,000 120 382.93 394.05 409.18 424.26 444.08 464.43 490.61 506.70
46,000 120 440.37 453.15 470.55 487.90 510.69 534.10 564.20 582.71
65,000 120 627.05 645.25 670.03 694.73 727.18 760.51 803.37 829.73
138,500 120 1325.89 1364.38 1416.77 1469.01 1537.63 1608.10 1698.74 1754.46

* FFELP regulations require a minimum monthly payment of $50.00; The final payment may be larger or smaller than the amount indicated above.  To determine the total amount repaid, multiply the payment amount by the number of payments.

More Wells Fargo Loan Payment Calculators

LOAN COMPARISON CHART
FOR VARIOUS TYPES OF REPAYMENT PLANS

Debt Level

 Standard Repayment Plan Graduated Repayment
 Plan		 Income-Sensitive Repayment Plan (Estimated)
$18,000
Income		 $25,000
 Income		 $45,000
Income
Pymt
$

Total $ Repaid

 Initial Pymt $ Total $ Repaid Initial Pymt $ Total $ Repaid Initial Pymt $ Total $ Repaid Initial Pymt $ Total $
 Repaid

$2,500 

50 

3,264

22

4,068 

60 

3,900

83

 2,935 

150 

2,779

$4,000

 50

5,817

 34 

6,941

 60

5,213

 83

4,773

 150

4,390

$5,000

 61

7,360

 42

7,748

 60

7,260

 83

6,308

 150

7,644
$7,500 92 11,039 63 11,621 60 13,321 83 12,121 150 9,021
$10,000 123 14,718 84 15,495 69 18,787 83 17,590 150 13,619
$12,500 153 18,398 105 19,368 86 23,106 86 23,106 150 19,630
$15,000 184 22,078 126 23,324 103 28,265 103 28,265 150 25,099
$25,000 307 36,796 210 38,737 172 47,108 172 47,108 172 48,108
$30,000 368 44,155 252 46,485 206 56,530 206 56,530 206 56,530
$35,000 429 51,514 294 54,233 241 65,951 241 65,951 241 69,951
$40,000 491 58,873 337 61,980 275 75,373 275 75,373 275 75,373
$45,000 552 66233 379 69727 309 84,796 309 84,796 309 84,796
$50,000 613 73,591 421 77,475 344 94,216 344 94,216 344 94,216
$60,000 736 88,310 505 92,970 413 113,060 413 113,060 413 113,060

All payments and total amounts repaid are calculated using an 8.25% interest rate and are rounded to the nearest dollar. (More EdWise loan calculators.)

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Last updated on: June 09, 2006