Suppose that I had a student loan for $10,000 with an APR of 9.5% for 20years.

1. Please help me to calculate my monthly payment?
2. How much would I pay each month? How long do I have to pay that monthly payment?
3. Over the course of each loan, how much total do I pay? How much is interest? How much interest will I pay in total?

I have an opportunity to consolidate with an APR of 8% with a term of 12 years

4. What will be my payment if I do decide to go this route?

5. What will be my total payment over the life of the loan? How much of that would be interest?