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The detailed guide below is currently available in English.
The standard repayment baseline
Standard repayment spreads the balance over equal monthly payments for a fixed term — ten years for federal loans by default. It is usually the cheapest schedule in total interest because nothing is deferred: every payment attacks principal from month one. Longer terms cut the payment but can nearly double lifetime interest, which the totals above make visible.
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What happens if I extend to 20 or 25 years?
The monthly payment falls by roughly a third, but interest compounds on a slower-shrinking balance for many more years — compare the Total Interest line across terms before choosing.
Do extra payments help?
Yes — payments applied to principal early in the term save the most interest. Confirm with your servicer that extra amounts target principal rather than prepaying future installments.