# Student Loan Q: REPAYE - Negative Estimated Interest Accrual

__ginganinja__ (Mar 16, 2017 - 5:15 pm)

Question for the student loan gurus about an "estimated" negative interest accrual and negative amount to be repaid.

I just switched from IBR to REPAYE. My loans are through Nelnet. Nelnet has a page called "Payment Schedule", which gives basic info about your loans, and estimates your expected interest / principal payments over the life of your loans. I just checked out the "Payment Schedule" page to check out the impact of my switch to REPAYE. To my surprise, a couple of the numbers are now negative. I have no idea what this means. I called Nelnet, and the guy said he has no idea and has never seen negative numbers before. I've fudged the numbers a bit for internet privacy concerns, but I recreated the "Payment Schedule" page below so you guys can take a look. Let me know if any of you can explain why a couple of these numbers are negative.

Loan Type: DIRECT LOAN STAFFORD UNSUB

Interest Rate: 6.550%

Outstanding Principal Balance: $14,000

Unpaid Fees/Other Charges: $0.00

Unpaid Interest to be Capitalized: $0.00

Interest Not Capitalized: $700

Estimated Interest Accrual Over Loan Term: -$16,000.

Interest Paid as of 03/07/2017: $500.00

Total to be Repaid: -$1,500

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__dingbat__ (Mar 16, 2017 - 6:15 pm)

it's a glitch. Try again in a few days

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__shouldalearnedmath__ (Mar 18, 2017 - 12:39 pm)

I assume your monthly payment due is above 0?

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