[tcash21]

This is not true. Interest does not start accruing on subsidized loans until repayment begins. Interest accrues WHILE you are still in school for unsubsidized loans. In both cases, interest is accruing as you are making regular payments.

[matwood]

That's correct. The original poster said lets look years out to see if someone had 100k in debt, but if they are repaying the loan the balance should not be getting bigger even with interest accruing (it's not accumulating since a payment should cover current interest plus some principle). I wasn't very clear with my wording.