12 years.
3 yrs = 6,157/month
4 yrs = 4,770/month
The internet/google are magical tools, student loan rates, payment calculators, financial tools, etc are all a mouse click away for people with the cognitive drive to seek them out. Whether it is drug info or not, pharmacists and future pharmacists need to be skilled at information retrieval. Be curious and try to find answers for yourself before asking for help. Your faculty, preceptors, employers, and peers will appreciate your efforts and be more inclined to assist you.
You can always look into IBR if you are interested in working for non-profit or federal/state facility after graduation. e.g. If you had 200k in loans and made 120k as a pharmacist working for the Veterans Affairs or State hospital then your IBR payment would be 1300/month and as long as you you continued to work for that facility for 10 years at the end of that 10 years the remainder of your loans would be forgiven. So essentially you would have paid roughly 156,000 and the remaining loan balance would be forgiven but it would show as taxable income on the tax return for the 10th year, so something to keep in mind the last year.
You would have to keep employment with a non-profit facility or government for 120 payments/10years though.
From my experience health profession students have no understanding of finances so you may want to talk to an accountant or at least your financial aid dept to help you or explain this program. This program pays off best for people with heavy debt who and they want to work for the government or nonprofit. Many hospitals are non-profit you just need to look on their websites.
One thing to note is this payment plan is income based so as your salary goes up so will the monthly payment requirement. You can read more about it on financial aid website or
http://www.ibrinfo.org/ .
Classes are important but it is important to have a plan/understanding of how you will pay for these classes once you finish!