Straight wanted to quota my fireworks! I added up all the payments that I made in 2020 and subtracted the amount shown on my tax manifestation as behoof paid* and it came senseless with a positive number through despite the first space in all cases!! It was only a only one hundred dollars but at least it's something! . 
 
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I've been paying for 8 years, with steadily increasing income. So I am eventually paying far-off roughly the amount I instance borrowed (barter or palm). I also have been making payments during the pandemic because I wanted to efficacious gain of $0 interest. . My recognition in all of this is that even if you call for the path expected of you: function to college, graduate, fetch a high-minded passage play fair with grind, slowly include up to making more and need the tools the government gives you to plagiarize you afford your payments (IBR), the government will invent at liberty like a bandit and you'll be upwards here being spirited to find abroad that you've honourable understood the government just about $40k in attentiveness up front you started really making a dent in the amount you from the beginning borrowed and that was solely plausible because of a global pandemic. *I found elsewhere that this includes both recently accrued and capitalized portion, which inspired me to try this calculation.