A=P(1+r)^t
Subsidized loan - A loan that is available to undergraduate students with financial need. The government pays the interest on while the student is in school.
Unsubsized loan - A loan that is available to undergraduate students with no financial need. The student pays the interest from the time the loan is dispersed.
Bank loan - A loan obtained by an alternative source than the government.
Interest rates:
Subsidized and Unsubsized = 3.86%
Bank loans - varies
5817 = 5000(1+.0386)^4
5601 = 5000(1+.0386)^3
5393 = 5000(1+.0386)^2
5193 = 5000(1+.0386)^1
22,004(1.0386)^10 yrs = 32,135.482
120 months = 267.80 per month