Federal Student Loan Repayment Examples

The terms of your loan can vary depending on automatic payments, Loan Servicer, type of loan, interest rates, and amount borrowed. Use the tables below to give you an idea of your possible payments.

10-Year Repayment Example

Shows sample payments for various Stafford Loan amounts on a Standard Repayment schedule with a 10-year repayment period at the interest rate of 6.80%.*

Total Amount Borrowed Current Monthly Payment
(based on 6.80%)*
$5,000 $57.54
$10,000 $115.08
$15,000 $172.62
$20,000 $230.16
$25,000 $287.70
$30,000 $345.24
$35,000 $402.78


Important Disclaimers:

  • Interest rates are effective 7/1/11. The rates and other information set forth above have been obtained from sources deemed reliable, but do not constitute representations of Commerce Bank, nor shall this be considered an offer by Commerce Bank to fund any loan at rates other than those established by the United States Department of Education.
  • To send an email that contains confidential information, please visit the Secure Message Center where there are additional instructions about whether to use Secure Email or Online Banking messaging.