Sample repayment amounts

The following are estimated repayment amounts using the AAMC/ADEA Dental Loan Organizer and Calculator, with the following assumptions: 

  • $300,000 total student loan debt ($162,000 Stafford, remainder in Grad PLUS).
  • Interest rates based on disbursement dates for Class of 2019 graduates.
  • No aggressive repayment.
  • Starting salary of $180,000 (used for Pay As You Earn [PAYE] repayment plans).
  • Single and family size of one (used for PAYE repayment plans).
  • There are multiple income-driven repayment plans, we used PAYE as just one example.

      Standard 10 year

      • $3,910 per month for 10 years.
      • $469,258 total repayment.
      • $169,258 total interest cost.

      Extended 25 year

      • $2,314 per month for 25 years.
      • $694,239 total repayment.
      • $394,239 total interest cost.

      Pay As You Earn

      • Payments range from $1,344 per month (for first 12 months) to $2,421 per month during last month of repayment (payments change annually with income-driven repayment plans).
      • $440,130 total repayment.
      • $344,620 remaining balance at end of 20-year term is forgiven, but taxable.
      • $186,252 total repayment over 10 years with $380,799 forgiven tax free for borrower if is enrolled in and qualifies for Public Service Loan Forgiveness.

      *Find more information on repayment plans at