<p>I got my undergrad loans (5000) paid off in the full ten years. Our challenge was when H started med school, entirely financed with loans, when D was 1 year old. We were still paying that off when she was in hs (about 1400/month, some had 15% or more interest). Sadly, around then, his mom passed away, and what he inherited paid off the remainder--or we'd still be paying some of them.</p>