Suppose that you have taken out subsidized Stafford loans totaling $20,000 over your four years in college. Your rate is a fixed 3.86% and you will repay using a standard ten-year repayment plan. Find your after-graduation monthly payment & explain why your principal is still $20,000 (as opposed to $20,000 plus accrued interest) when you graduate, assuming you haven’t paid anything toward the principal of the loan during school.