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Current Federal Student Loan Interest Rates

Below is information regarding variable and fixed interest rates for Stafford and PLUS loans.


Interest rates for fixed-rate undergraduate subsidized FFELP and FDLP Stafford loans

Loan Status – Any Status
Disbursement Date Rate
7/1/20 - 6/30/21 2.75%
7/1/19 - 6/30/20 4.53%
7/1/18 - 6/30/19 5.05%
7/1/17 - 6/30/18 4.45%
7/1/16 - 6/30/17 3.76%
7/1/15 - 6/30/16 4.29%
7/1/14 - 6/30/15 4.66%
7/1/13 - 6/30/14 3.86%
7/1/11 - 6/30/13 3.40%
7/1/10 - 6/30/11* 4.50%
7/1/09 - 6/30/10* 5.60%
7/1/08 - 6/30/09 6.00%
7/1/06 - 6/30/08 6.80%

Interest rates for fixed-rate undergraduate unsubsidized FFELP and FDLP Stafford loans

Loan Status – Any Status
Disbursement Date Rate
7/1/20 - 6/30/21 2.75%
7/1/19 - 6/30/20 4.53%
7/1/18 - 6/30/19 5.05%
7/1/17 - 6/30/18 4.45%
7/1/16 - 6/30/17 3.76%
7/1/15 - 6/30/16 4.29%
7/1/14 - 6/30/15 4.66%
7/1/13 – 6/30/14 3.86%
7/1/06 - 6/30/13* 6.80%

Interest rates for fixed-rate graduate FFELP and FDLP Stafford loans

Loan Status – Any Status
Disbursement Date Rate
7/1/20 - 6/30/21 4.30%
7/1/19 - 6/30/20 6.08%
7/1/18 - 6/30/19 6.60%
7/1/17 - 6/30/18 6.00%
7/1/16 - 6/30/17 5.31%
7/1/15 - 6/30/16 5.84%
7/1/14 - 6/30/15 6.21%
7/1/13 – 6/30/14 5.41%
7/1/06 - 6/30/13* 6.80%

Interest rates for variable-rate FFELP and FDLP Stafford loans

Loan Status – Deferment/In-School/Grace
Disbursement Date Rate
7/1/98 - 6/30/06 1.83%
7/1/95 - 6/30/98 3.23%
7/1/94 - 6/30/95 3.23%
10/1/92 - 6/30/94 3.23%
Loan Status – Repayment
Disbursement Date Rate
7/1/98 - 6/30/06 2.43%
7/1/95 - 6/30/98 3.23%
7/1/94 - 6/30/95 3.23%
10/1/92 - 6/30/94 3.23%

Interest rate for fixed-rate FDLP PLUS loans

Loan Status – Any Status
Disbursement Date Rate
7/1/20 - 6/30/21 5.30%
7/1/19 - 6/30/20 7.08%
7/1/18 - 6/30/19 7.60%
7/1/17 - 6/30/18 7.00%
7/1/16 - 6/30/17 6.31%
7/1/15 - 6/30/16 6.84%
7/1/14 - 6/30/15 7.21%
7/1/13 – 6/30/14 6.41%
7/1/06 – 6/30/13 7.90%

Interest rates for fixed-rate FFELP PLUS loans

Loan Status – Any Status
Disbursement Date Rate
7/1/06 - 6/30/10 8.50%

Interest rates for variable-rate FFELP PLUS/SLS loans

Loan Status – Any Status
Disbursement Date Rate
On or after 7/1/98 - 6/30/06  3.23%
7/1/94 – 6/30/98  3.27%
10/1/92 – 6/30/94 3.27%
7/1/87 – 9/30/92 3.42%

Interest rates for variable-rate FDLP PLUS/SLS loans

Loan Status – Any Status
Disbursement Date Rate
On or after 7/1/98 - 6/30/06 3.23%
Before 7/1/98 3.27%

* Starting July 1, 2010 only FDLP loans were disbursed.


Interest rates for fixed-rate GradPLUS loans

Loan Status – Any Status
Disbursement Date Rate
7/1/20 - 6/30/21 5.30%
7/1/19 - 6/30/20 7.08%
7/1/18 - 6/30/19 7.60%
7/1/17 - 6/30/18 7.00%
7/1/16-6/30/17 6.31%
7/1/15-6/30/16 6.84%
7/1/14-6/30/15 7.21%
7/1/13-6/30/14 6.41%
7/1/06-6/30/13 7.90%

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