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  If you switched to the income-based repayment plan, you'd pay your loans off in just over 10 years, with a monthly payment between $259 and $283. Your total interest would be around $8,700. With the income-contingent plan, it would take you 11.5 years to pay off your loans, making payments of $245 to $282 per month. You'd pay a total interest of $10,300.