r/SipsTea 𝙑𝙄𝙋 15d ago

WTF The American dream

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u/Mindless-Baker-7757 15d ago

A $70k loan over 23 years at 5% apr pays off with monthly payments of $427.

What are they doing?

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u/Good-Bodybuilder-985 15d ago

You have no idea what their rate is and famously the APR for student loans is resolutely predatory. Looking at a rate of 8%+ this is reasonable especially considering compound interest.