<prompt> Human: Ive been paying a 15,000 student loan for about two years now. And it seems to stay at 15,000. I have 5 different groups of loans combined into one. In the outstanding total it has a capitalized and accrued interest on the total. Which every month gets higher and higher. If you guys need more info please ask. EDIT: Here are the groups, amount, interest rates and payments.Group A: total amount due 46.94Loans status - RepaymentInterest rate - 4.5 fixedLoan type - DIRECT SUBOutstanding Principal - 3,338.78Group B: Total amount due 58.58Loan Status - REPAYMENTInterest Rate - 6.8 fixedLoan Type - DIRECT UNSUBOutstanding Principal - 4,336.82Group C: Total amount due 28.76Loan Status - REPAYMENTInterest Rate - 6.8 fixedLoan Type - DIRECT UNSUBOutstanding Principal - 2,129.45Group D: Total amount due 47.27Loan Status - REPAYMENTInterest Rate - 5.6 fixedLoan Type - STAFFORDOutstanding Principal - 3,434.48Group E: Total amount due 30.11Loan Status - REPAYMENTInterest Rate - 6.8 fixedLoan Type - STAFFORDOutstanding Principal - 2,229.16Assistant: Doing some quick math, it looks to me like youre on a 10-year repayment plan, and started making payments in 2011 probably end of year, maybe after the initial six month grace period. These will be paid off at this payment rate towards the end of 2021.Your principle should be decreasing by 135month right now the rest of your payment goes towards interest. This number will be improving slightly ever month.As for why your loan seems to stay at around 15,000... just a guess, but is 15,000 the original amount you took out? The loans likely accumulated interest during your time in school, interest that would have capitalized upon graduation. So just because its at 15K now, and was at 15K originally, does not mean it stayed at 15K. It would have been a higher amount upon graduating.Human: So all is going smoothly then? And yes its a ten year payment plan  <response>: Yes, its all going smoothly as far as I can tell. Nothing seems off.Check out the calculator at if you want to confirm yourself. Run the numbers and it should verify about when the loans are paid off this can be slightly off since interest on the loans accumulates daily, but it should at least be within a couple months of when you expect things to be finished. 