The following are sample monthly loan repayments under a standard 10-year repayment plan.
A standard repayment plan is the one in which a borrower pays the least interest overall. The chart shows what repayments would look like at different interest rates between 4–7%. Most student loans will fall between these interest rates. For example, if a student borrows $20,000 at 6%, the payment for principal and interest is $222.04 a month for 10 years.
| Loan Amount | 4.45% | 5.00% | 6.00% | 7.00% |
| $5,000 | $51.70 | $53.03 | $55.51 | $58.05 |
| $10,000 | $103.40 | $106.07 | $111.02 | $116.11 |
| $15,000 | $155.10 | $159.10 | $166.53 | $174.16 |
| $20,000 | $206.80 | $212.13 | $222.04 | $232.22 |
| $25,000 | $258.49 | $265.16 | $277.55 | $290.27 |
| $30,000 | $310.19 | $318.20 | $333.06 | $348.33 |