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Direct Subsidized or Unsubsidized Loan / Federal Stafford Loan (subsidized or unsubsidized) interest rates

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Interest rates for Direct Subsidized or Unsubsidized Loans / Federal Stafford Loans (subsidized or unsubsidized) vary depending on loan type, when the loan was first disbursed, and your degree status (undergraduate or graduate).

Period loans first disbursed Direct Subsidized Direct Unsubsidized
Undergraduate Graduate Undergraduate Graduate
7/1/17 - 6/30/18 4.45 percent Not applicable 4.45 percent 6 percent
7/1/16 - 6/30/17 3.76 percent Not applicable 3.76 percent 5.31 percent
7/1/15 - 6/30/16 4.29 percent Not applicable 4.29 percent 5.84 percent
7/1/14 - 6/30/15 4.66 percent Not applicable 4.66 percent 6.21 percent
7/1/13 - 6/30/14 3.86 percent Not applicable 3.86 percent 5.41 percent
7/1/12 - 6/30/13 3.4 percent Not applicable 6.8 percent
7/1/11 - 6/30/12 3.4 percent 6.8 percent 6.8 percent
7/1/10 - 6/30/11 4.5 percent 6.8 percent 6.8 percent
7/1/09 - 6/30/10 5.6 percent 6.8 percent 6.8 percent
7/1/08 - 6/30/09 6 percent 6.8 percent 6.8 percent
7/1/06 - 6/30/08 6.8 percent 6.8 percent 6.8 percent
7/1/98 - 6/30/06 For the period 7/1/16-6/30/17: 2.05 percent during in-school, grace, and deferment periods and 2.65 percent during repayment.
For the period 7/1/15-6/30/16: 1.72 percent during in-school, grace, and deferment periods and 2.32 percent during repayment.

Variable rate with cap of 8.25 percent, adjusted July 1
Prior to 7/1/98 Contact your loan holder to determine rate

Military service members may be eligible for reduced interest rates.

If you need more information about the interest rate(s) for your student loans, contact your loan holder. If you aren't sure which institution or servicer holds your loans, locate your loan holder.

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