Federal Student Loan Interest Rates Notice
Summary
The U.S. Department of Education has published its annual notice of interest rates for variable-rate Federal Direct Stafford/Ford Loans, Direct Unsubsidized Stafford/Ford Loans, and Direct PLUS Loans. These rates are effective for the period of July 1, 2025, through June 30, 2026.
What changed
The Chief Operating Officer for Federal Student Aid has announced the annual interest rates for specific variable-rate federal student loans, including Direct Subsidized Loans, Direct Unsubsidized Loans, and Direct PLUS Loans disbursed before July 1, 2006, and Direct Consolidation Loans applied for before February 1, 1999. These rates will be in effect from July 1, 2025, to June 30, 2026.
This notice serves as an informational update for borrowers and educational institutions regarding the applicable interest rates for the upcoming loan period. No immediate action is required from borrowers as the rates are set by the Department of Education. Educational institutions should ensure their systems reflect these rates for any relevant loan disbursements during the specified period.
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Publication Date March 02, 2026 Posted Date March 02, 2026 Subject Annual Notice of Interest Rates for Variable-Rate Federal Student Loans Made Under the William D. Ford Federal Direct Loan Program FR Type Notice
The Chief Operating Officer for Federal Student Aid announces the interest rates for Federal Direct Stafford/Ford Loans (Direct Subsidized Loans), Federal Direct Unsubsidized Stafford/Ford Loans (Direct Unsubsidized Loans), and Federal Direct PLUS Loans (Direct PLUS Loan), Assistance Listing Number 84.268, with first disbursement dates before July 1, 2006, and for Federal Direct Consolidation Loans (Direct Consolidation Loans) for which the application was received before February 1, 1999. The rates announced in this notice are in effect for the period July 1, 2025, through June 30, 2026.
To view this Federal Register publication, click here.
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