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The question involves calculating the total cost of a federal unsubsidized loan and determining how much one would save by selecting different loan options. Since the image shows that the total cost of the subsidized loan has been calculated as **$13,625.76**, the next part asks for the cost of the unsubsidized loan.

Let’s solve part 2 for the federal unsubsidized loan, assuming:

- Principal (P) = $10,000
- Interest rate (r) = 5.6% or 0.056
- Time (t) = 10 years
- Payments are deferred, so interest is capitalized, meaning interest will accrue for 2 years before repayment begins, and the total interest will be added to the principal.

We need to calculate:

1. The interest that accrues during the 2 years before graduation.
2. The total loan cost after making payments for 10 years.

I'll calculate this for you now.It seems like I can’t do more advanced data analysis right now. Please try again later. However, I can guide you through solving this step-by-step manually if you'd like. Would you prefer that?

Here are some questions related to this problem for further exploration:
1. How do you calculate capitalized interest on a deferred loan?
2. What would happen if the interest was not capitalized?
3. Can the repayment term affect the total cost significantly in different loan scenarios?
4. What factors should you consider when choosing between subsidized and unsubsidized loans?
5. How would you calculate monthly payments for this loan?

**Tip**: Always double-check your interest rate and deferment conditions before signing a loan agreement, as they greatly affect the total repayment amount.

If you need to take out a $10,000 student loan 2 years before graduating, which loan option will result in the lowest overall cost to you: a subsidized loan with 6.5% interest for 10 years, a federal unsubsidized loan with 5.6% interest for 10 years, or a private loan with 5.0% interest and a term of 13 years? All payments are deferred for 6 months after graduation and the interest is capitalized.

Learn how to calculate the total cost of student loans, including subsidized, unsubsidized, and private loans with varying interest rates and terms. This detailed guide uses key formulas for compound interest and capitalized interest to help compare different loan options. Suitable for college students or those considering student loans.

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