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$1,000 loan at 3% for 20 years

Monthly payment

$5.55/mo

Total interest

$331

Total paid back

$1,331

Term

240 payments

Borrowing $1,000 at 3% APR over 20 years (240 monthly payments) means you pay $5.55 each month. Over the full term you repay $1,331 in total — that's $331 of interest on top of the $1,000 you borrowed.

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