Estimated total change in the amount you will repay over the life of loan

This value is calculated by comparing your current projected repayment schedule with the newly projected repayment schedule based on the capitalization estimate. The amount you will repay over the life of the loan increases as the amount of interest capitalizing increases. In certain situations, the amount may increase slightly, even if no interest is projected to capitalize, if there have been a number of days since your last payment was posted to your account. In some instances the amount may decrease if you have significantly prepaid your loans in the past or if you are using a capitalization estimate date that is not as far into the future as the capitalization date that is currently on your account.