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Policies and Regulations

 

Interest Rates


On July 1 of each year, the interest rates for applicable Direct and PLUS loans are subject to change.*

  • For a Direct subsidized and unsubsidized loan made to an undergraduate student for which the first disbursement is made:
    On or after July 1, 2014, but before July 1, 20154.66%
    On or after July 1, 2013, but before July 1, 20143.86%
  • For a Direct unsubsidized loan made to a graduate or professional student for which the first disbursement is made:
  • On or after July 1, 2014, but before July 1, 20156.21%
    On or after July 1, 2013, but before July 1, 20145.41%
    Note: The interest rate is fixed for the life of the loan.

  • For a Direct PLUS loan made to a parent or a graduate or professional student for which the first disbursement is made:
  • On or after July 1, 2014, but before July 1, 20157.21%
    On or after July 1, 2013, but before July 1, 20146.41%
    Note: The interest rate is fixed for the life of the loan.

* The chart titled "2014-2015 Interest Rates," available in the right-hand column, provides a comprehensive listing of interest rates including certain, older FFELP loans with variable rates that are subject to change on July 1 of each year.



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