Repayment Calculator Accurate?

I’m on SAVE now, looking at the repayment calculator.

For IBR: it says $445 a month, total to be paid $131,077, ending balance $300,608, end of term 10/2044

For RAP: $451 a month, total to be paid $353,312 (!), ending balance $155,731, end 6/2056.

Am I misunderstanding something? Assuming IBR is actually 20 years, wouldnt total paid be (445 * 12) x 20 years =106,800

And why is Rap $353k? (451 * 12) x 30=162,360

Posted Jul 3, 2026, 6:23 PM UTC

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