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Mark has combined Undergraduate & Graduate Loan debt of $58,000 in Direct Unsubsidized Loans and starting Income of $38,000. He had taken out these loans in 2013. These figures are estimates based on an interest rate of 6%, the average Direct Loan interest rate for undergraduate and graduate borrowers. He is married with a family size of 2. His wife does not have any student loan debt. He lives in Missouri, and his income increases 5% each year. These figures use the 2016 Poverty Guidelines issued by the U.S. Department of Health and Human Services and Income Percentage Factors issued by the U.S. Department of Education.
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