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2.1 Paying Back Student Loans | According to Debt.org/students, college students graduating from U.S. universities on average have accumulated $33,000 in loans. For most undergraduate students, the interest rate on those loans is 4.66 APR, and a common repayment plan is to pay the money back over 10 years. Such a loan would have a monthly payment of $344.56. To verify this payment amount, create an amortization table similar to the one shown in Figure 2.96 D F 2 A B D E 1 Loan Amortization Table 2 3 Amount Borrowed: $ 33,000.00 4 APR: 4.66% per year 5 Periodic interest Rate: 0.39% per month 6 Term: 10 years N