; (ii) the borrower's repayment amounts, median earnings, and likelihood of completion may vary from such statistics; and (iii) as appropriate, parent borrowers should be aware that information about the median earnings, completion rate, and percentage of borrowers in active repayment is based on data that excludes parent borrowers. (R) A statement in writing and in a form the borrower may keep, of the annual percentage rate applicable to the loan based on a 10 year standard repayment plan, taking into account— (i) the amount of the loan; (ii) the stated interest rate of the loan; (iii) the standard term for a loan of the same type; (iv) any fees or additional costs associated with the loan; and (v) any capitalization of interest on the loan.