You may use this link to do some calculation, it is for mortgage, but should work for any kind of loan:

http://realestate.yahoo.com/calculators/payment.html

10% is not too bad:

According to: http://ask.yahoo.com/20040209.html

Average US person has credit card debt of 8600, with rate of 18.9%.

Good luck.

[此贴子已经被作者于2007-7-14 20:39:03编辑过]