US EditionFederal Student Loan Rates Soften for 2025-26, Making Borrowing Slightly More Affordable
- The Education Department announced new federal student loan interest rates on May 30 for the 2025-26 academic year, effective July 1.
- Following a prolonged period of rising and historically high federal student loan interest rates, these rates are now set to decline.
- Undergraduate direct subsidized and unsubsidized loans will carry a 6.39% interest rate, graduate direct unsubsidized loans 7.94%, and PLUS loans 8.94%.
- Borrowers taking the maximum $12,500 undergraduate loan can expect to pay about $4,448 in interest over 10 years at 6.39%, compared to $4,555 at last year's 6.53%.
- These lower rates may make borrowing slightly more affordable but offer limited savings, while borrower protections and free aid also support student affordability.
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Federal Student Loan Rates Soften for 2025-26, Making Borrowing Slightly More Affordable
After years of steady increases and record highs, federal student loan interest rates will finally soften this summer — making college slightly more affordable for student borrowers in the upcoming academic year. Here are the new 2025-26 federal student loan…
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Leaning Left6Leaning Right11Center9Last UpdatedBias Distribution42% Right
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