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just out of curiosity, how much are you guys paying or will be paying for student loans every month?

i used one of the online calculators and it told me an estimated $650 a month for 10 years. (for my undergrad) does this sound reasonable?

I have no idea considering you didn't indicate your borrowed principal. Also, loan type will matter in determining your interest rate.

I do know that $35k translates roughly into $470/month in mostly federal loans.

$650 for undergrad is pretty hefty. It sounds reasonable only if you've taken out like $60,000 in loans.