<prompt> Human: Hey guys,I just finished school and I need to start focusing on repaying back 21,000 in student loans from nursing school. I have a combination of Subsidized and Unsubsidized loans. My grace period will end in November, I just want to make sure I calculated this correctly. Come November using the standard repayment plan. I will have to pay 175 each month for 10 years? I have a total of 9 loans on my your loans tab, but they range from 750 to 5,500, but the current balance is right around 21,000?  <response>: Nooo. Thats just the principal that youd pay. Youre going to be charged interest each month. Take a look at the loan details for each one and it should have an interest rate listed with expected payoff date.Unless you have 0 interest on every loan, then you most certainly wont pay it all back in 10 years at 175mo.Or did their repayment calculator factored in the interest, which then brought your total principal and interest to 21k? 