10k Student Debt Calculator

How Long Will it Take to Pay Off $10,000 in Debt?
Try the loan payment calculator to calculate a monthly payment.
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Calculate how long it will take to pay off $10,000 in debt. This can be used for any type of debt, such as student loans, credit card debt, a mortgage, etc. What is the minimum payment needed to pay off 10k in debt? You will need to pay at least the interest. To pay off $10,000 in debt you will need to pay more than the amount listed below so that the loan balance will not grow over time.
Browse the payment table below to view minimum monthly payments to avoid debt from growing over time.
Interest Rate Minimum Payment
1% $8/month
2% $17/month
3% $25/month
4% $33/month
5% $42/month
Interest Rate Minimum Payment
6% $50/month
7% $58/month
8% $67/month
9% $75/month
10% $83/month
Browse the payment table below to view monthly payments based on pay off time and interest rate.
Years 2% 4% 6% 8% 10%
Pay off 10k in 1 Year 842.39 851.50 860.66 869.88 879.16
Pay off 10k in 2 Years 425.40 434.25 443.21 452.27 461.45
Pay off 10k in 3 Years 286.43 295.24 304.22 313.36 322.67
Pay off 10k in 4 Years 216.95 225.79 234.85 244.13 253.63
Pay off 10k in 5 Years 175.28 184.17 193.33 202.76 212.47
Pay off 10k in 6 Years 147.50 156.45 165.73 175.33 185.26
Pay off 10k in 7 Years 127.67 136.69 146.09 155.86 166.01
Pay off 10k in 8 Years 112.81 121.89 131.41 141.37 151.74
Pay off 10k in 9 Years 101.25 110.41 120.06 130.19 140.79
Pay off 10k in 10 Years 92.01 101.25 111.02 121.33 132.15
Pay off 10k in 11 Years 84.46 93.77 103.67 114.15 125.20
Pay off 10k in 12 Years 78.17 87.55 97.59 108.25 119.51
Pay off 10k in 13 Years 72.85 82.31 92.47 103.31 114.78
Pay off 10k in 14 Years 68.29 77.83 88.12 99.13 110.82
Pay off 10k in 15 Years 64.35 73.97 84.39 95.57 107.46
Years 2% 4% 6% 8% 10%
Pay off 10k in 16 Years 60.90 70.60 81.14 92.49 104.59
Pay off 10k in 17 Years 57.86 67.64 78.31 89.83 102.12
Pay off 10k in 18 Years 55.17 65.02 75.82 87.50 99.98
Pay off 10k in 19 Years 52.76 62.69 73.61 85.45 98.13
Pay off 10k in 20 Years 50.59 60.60 71.64 83.64 96.50
Pay off 10k in 21 Years 48.63 58.72 69.89 82.04 95.08
Pay off 10k in 22 Years 46.85 57.02 68.31 80.62 93.82
Pay off 10k in 23 Years 45.23 55.48 66.88 79.35 92.72
Pay off 10k in 24 Years 43.75 54.07 65.60 78.21 91.74
Pay off 10k in 25 Years 42.39 52.78 64.43 77.18 90.87
Pay off 10k in 26 Years 41.13 51.60 63.37 76.26 90.10
Pay off 10k in 27 Years 39.97 50.52 62.40 75.43 89.41
Pay off 10k in 28 Years 38.89 49.52 61.51 74.68 88.80
Pay off 10k in 29 Years 37.89 48.60 60.70 73.99 88.25
Pay off 10k in 30 Years 36.96 47.74 59.96 73.38 87.76