Is interest included in the "$23 billion owed?" A $20k Stafford loan at 6.8% generates around $7,000 in interest over the 10 year repayment plan. That's around

Is interest included in the "$23 billion owed?" A $20k Stafford loan at 6.8% generates around $7,000 in interest over the 10 year repayment plan. That's around 38% of the principal.