Until September 1, 2023 the Department of 教育 is reducing interest rates to 0% and suspending payments on all Federal Direct Stafford 贷款 until October 1, 2023. The suspension is from March 13, 2020 to January 31, 2022. 贷款包括:
- 父母+
- 毕业生加
- Subsidized and Unsubsidized Federal Direct Stafford loans
- Does not include Perkins, Private, or any older FFEL type loans
For more information, see the Coronavirus and Forbearance Loan Information 声明和 谁是我的贷款服务商? on the 联邦学生资助 网站. You will find a detailed 常见问题解答 for more specific 问题.
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2023-2024 利率
贷款 first disbursed on, or after July 1, 2023, and prior to July 1, 2024:
Subsidized/Unsubsidized Loan (Undergraduate Students): 5.50%
Unsubsidized Loan (Graduate/Professional Students): 7.05%
PLUS Loan (Parent, and Graduate/Professional 学生): 8.05%
2022-2023 利率
贷款 first disbursed on, or after July 1, 2022, and prior to July 1, 2023:
Subsidized/Unsubsidized Loan (Undergraduate Students): 4.99%
Unsubsidized Loan (Graduate/Professional Students): 6.54%
PLUS Loan (Parent, and Graduate/Professional 学生): 7.54%
2021-2022 利率
贷款 first disbursed on, or after July 1, 2021, and prior to July 1, 2022:
Subsidized/Unsubsidized Loan (Undergraduate Students): 3.73%
Unsubsidized Loan (Graduate/Professional Students): 5.28%
PLUS Loan (Parent, and Graduate/Professional 学生): 6.28%
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2020-2021 利率
贷款 first disbursed on, or after July 1, 2020, and prior to July 1, 2021:
- Subsidized/Unsubsidized Loan (Undergraduate Students): 2.75%
- Unsubsidized Loan (Graduate/Professional Students): 4.30%
- PLUS Loan (Parent, and Graduate/Professional 学生): 5.30%
How 利率 are Determined
Federal student loan interest rates are established each year. 还有兴趣 利率上限:
- 8.25% for Direct Subsidized loans and Direct Unsubsidized loans for undergraduate 学生
- 9.50% for Direct Unsubsidized loans for graduate/professional 学生
The interest rates are calculated using a base 10-year Treasury Note Index of 1.710% plus an add-on amount for each loan program
- 2.05% for Direct Subsidized loans and Direct Unsubsidized loans for undergraduate 学生
- 3.60% for Direct Unsubsidized loans for graduate/professional 学生
利率 and Rate Accrual
The following table compares interest rates and rate accrual for a $10,000 loan for the 2022-23 school year:
| 贷款类型 | 利率 for 2022-23 Academic Year | Daily Accrual while in school | Daily Accrual after 6-month grace period |
|---|---|---|---|
| Federal Direct Stafford Subsidized | 4.99%* | *$0 | $1.每天37 |
| Federal Direct Stafford Unsubsidized (Undergrad) | 4.99% | $1.每天37 | $1.每天37 |
| Federal Direct Stafford Unsubsidized (Graduate) | 6.54% | $1.每天79英镑 | $1.每天79英镑 |
| Federal Direct PLUS (Graduate or Parent) | 7.54% | $2.每天07英镑 | $2.每天07英镑 |
| 选择贷款 | 不同学分从4分起.0% - 15.0% | $1.09 - $4.每天10块 | $1.09 - $4.每天10块 |
*Subsidized loans do not accrue interest while student is enrolled at least half time or during the 6-month grace period after graduation.
For more information about federal loans, visit the 联邦学生资助 网站.
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Loan Cohort Default Rate
Current Loan Cohort Default Rate:
FY 2018: 2.9%
FY 2017: 3.7%
FY 2016: 3.5%
CSU违约率:4.4%
National Public Four Year Default Rate: 7.3%
Students Receiving Federal 贷款: 35%
Median Total Debt After Graduation: $15,513
Typical Monthly Loan Payment: $155 (based on a standard 10 year repayment plan)
来源: 大学corecard.ed.政府
