{"id":228203,"date":"2025-05-07T05:54:21","date_gmt":"2025-05-07T05:54:21","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/federal-student-loan-interest-rates-set-to-drop-slightly-for-2025-2026\/"},"modified":"2025-05-07T05:54:21","modified_gmt":"2025-05-07T05:54:21","slug":"federal-student-loan-interest-rates-set-to-drop-slightly-for-2025-2026","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=228203","title":{"rendered":"Federal Student Loan Interest Rates Set To Drop Slightly For 2025-2026"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div class=\"thrv_wrapper tve_image_caption\" data-css=\"tve-u-18f59da7279\"><span class=\"tve_image_frame\"><img decoding=\"async\" class=\"tve_image wp-image-39766 tcb-moved-image\" alt=\"Federal Student Loan Interest Rates Set To Fall\" data-id=\"39766\" width=\"880\" data-init-width=\"1280\" height=\"495\" data-init-height=\"720\" title=\"CollegeInvestor_1280x720_Federal_Student_Loan_Interest_Rates_Set_To_Rise\" loading=\"lazy\" src=\"https:\/\/thecollegeinvestor.com\/wp-content\/uploads\/2022\/05\/CollegeInvestor_1280x720_Federal_Student_Loan_Interest_Rates_Set_To_Rise.jpg\" data-width=\"880\" data-height=\"495\" style=\"aspect-ratio: auto 1280 \/ 720\" data-css=\"tve-u-196a741254b\"><\/span><\/div>\n<div class=\"thrv_wrapper thrv_text_element\">\n<p>The new interest rates on federal student loans for 2025-26 school year are set to fall slightly.<\/p>\n<p>The interest rates on federal student loans are fixed interest rates for the life of the loan. New interest rates apply to loans disbursed between July 1 and June 30.<\/p>\n<p>The interest rates are based on the high yield of the last 10-year Treasury Note auction in May, which was on May 6, 2025.<\/p>\n<p>The interest rates on the 10-year Treasury Note are influenced by a short-term interest rate called the <a href=\"https:\/\/thecollegeinvestor.com\/32609\/federal-funds-rate\/\" target=\"_blank\">Federal Funds Rate<\/a>, which is set by the Federal Reserve Board. The Federal Reserve Board has been keeping this rate high in an attempt to control inflation, which remains stubbornly above the Federal Reserve Board&rsquo;s 2% target.&nbsp;<\/p>\n<p>Interest rates on <a href=\"https:\/\/thecollegeinvestor.com\/22108\/best-private-student-loans\/\" target=\"_blank\" class=\"\">private student loans<\/a> and on old fixed-rate federal student loans are not affected by the change in <a href=\"https:\/\/thecollegeinvestor.com\/20309\/find-best-student-loan-rates\/\" target=\"_blank\" class=\"\">interest rates on new federal student loans<\/a>.&nbsp;<\/p>\n<\/div>\n<div class=\"thrv_wrapper tve_wp_shortcode\">\n<div class=\"tve_shortcode_raw\"><\/div>\n<div class=\"tve_shortcode_rendered\">\n<p style=\"text-align: center\">\n<div class=\"dpsp-email-save-this-tool dpsp-email-save-this-shortcode\" style=\"background-color: #ffffff\">\n<div class=\"hubbub-save-this-form-wrapper\">\n<h3 class=\"hubbub-save-this-heading\">Would you like to save this?<\/h3>\n<div class=\"hubbub-save-this-message\">\n<p>We&#8217;ll email this article to you, so you can come back to it later!<\/p>\n<\/div>\n<div class=\"hubbub-save-this-form-only-wrapper\">\n<p class=\"hubbub-save-this-emailaddress-paragraph-wrapper\">\n<p class=\"hubbub-save-this-consent-paragraph-wrapper\"> <label for=\"hubbub-save-this-consent\">I agree to be sent email.<\/label><\/p>\n<p class=\"hubbub-save-this-submit-button-paragraph-wrapper\">\n<\/p><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<div class=\"thrv_wrapper thrv_text_element\">\n<h2 class=\"\" id=\"t-1715199324581\">Student Loan Interest Rates For 2025 &#8211; 2026<\/h2>\n<p>The new interest rates for 2025-26 federal student loans disbursed on or after July 1, 2025 will be:<\/p>\n<ul class=\"\">\n<li>6.392% for undergraduate Federal Direct Stafford Loans<\/li>\n<li>7.942%for graduate Federal Direct Stafford Loans<\/li>\n<li>8.942%for Federal Direct Grad PLUS Loans<\/li>\n<li>8.942% for Federal Direct Parent PLUS Loans<\/li>\n<\/ul>\n<p>That&rsquo;s a decrease of 0.141% compared with last year.<\/p>\n<p>That&#8217;s not the smallest change in the interest rates. Aside from several years in which the interest rates did not change from the previous year (1997-98, 2007-08, 2012-13), interest rates dropped by 0.05% from 2003-04 to 2004-05.&nbsp;<\/p>\n<\/div>\n<div class=\"thrv_wrapper thrv_text_element\">\n<h2 id=\"t-1715199324578\" class=\"\">Previous Years&#8217; Interest Rates<\/h2>\n<p>This table shows how the interest rates has increased significantly during the pandemic.<\/p>\n<\/div>\n<div class=\"thrv_wrapper thrv_table tcb-fixed\" data-ct-name=\"Blank Table\" data-ct=\"table--1\" data-element-name=\"Table\" data-css=\"tve-u-18f59e05fda\">\n<table data-rows=\"7\" data-cols=\"4\" class=\"tve_table tcb-fixed tve_table_flat\" data-css=\"tve-u-18f59e05fdc\" style=\"--tve-border-width: 3px\">\n<thead>\n<tr class=\"tve_table_row\">\n<th class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59e05fdd\">\n<p data-css=\"tve-u-18f59e05fde\" style=\"text-align: center\"><strong>Year<\/strong><\/p>\n<\/div>\n<\/th>\n<th class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\">\n<p data-css=\"tve-u-18f59e05fdf\" style=\"text-align: center\"><strong>Undergraduate Direct Loan<\/strong><\/p>\n<\/div>\n<\/th>\n<th class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\">\n<p data-css=\"tve-u-18f59e05fe0\" style=\"text-align: center\"><strong>Graduate Direct Loan<\/strong><\/p>\n<\/div>\n<\/th>\n<th class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\">\n<p data-css=\"tve-u-18f59e05fe1\" style=\"text-align: center\"><strong>PLUS Loans<\/strong><\/p>\n<\/div>\n<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr class=\"tve_table_row\">\n<td class=\"tve_table_cell\" rowspan=\"1\" colspan=\"1\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59e05fe2\">\n<p data-css=\"tve-u-18f59e05fe3\" style=\"text-align: center\">2025 &#8211; 2026<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\" rowspan=\"1\" colspan=\"1\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59e05fe2\">\n<p data-css=\"tve-u-18f59e05fe3\" style=\"text-align: center\">6.392%<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\" rowspan=\"1\" colspan=\"1\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59e05fe2\">\n<p data-css=\"tve-u-18f59e05fe3\" style=\"text-align: center\">7.942%<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\" rowspan=\"1\" colspan=\"1\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59e05fe2\">\n<p data-css=\"tve-u-18f59e05fe3\" style=\"text-align: center\">8.942%<\/p>\n<\/div>\n<\/td>\n<\/tr>\n<tr class=\"tve_table_row\">\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59e05fe2\">\n<p data-css=\"tve-u-18f59e05fe3\" style=\"text-align: center\">2024 &#8211; 2025<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59e05fe4\">\n<p data-css=\"tve-u-18f59e05fe5\" style=\"text-align: center\">6.533%<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59e05fe6\">\n<p data-css=\"tve-u-18f59e05fe7\" style=\"text-align: center\">8.083%<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59e05fe8\">\n<p data-css=\"tve-u-18f59e05fe9\" style=\"text-align: center\">9.083%<\/p>\n<\/div>\n<\/td>\n<\/tr>\n<tr class=\"tve_table_row\">\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59e05fea\">\n<p data-css=\"tve-u-18f59e05feb\" style=\"text-align: center\">2023 &#8211; 2024<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59e05fed\">\n<p data-css=\"tve-u-18f59e05fee\" style=\"text-align: center\">5.498%<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59e05fef\">\n<p data-css=\"tve-u-18f59e05ff0\" style=\"text-align: center\">7.048%<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59e05ff1\">\n<p data-css=\"tve-u-18f59e05ff2\" style=\"text-align: center\">8.048%<\/p>\n<\/div>\n<\/td>\n<\/tr>\n<tr class=\"tve_table_row\">\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59e05ff3\">\n<p data-css=\"tve-u-18f59e05ff4\" style=\"text-align: center\">2022 &#8211; 2023<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59e05ff5\">\n<p data-css=\"tve-u-18f59e05ff6\" style=\"text-align: center\">4.993%<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59e05ff7\">\n<p data-css=\"tve-u-18f59e05ff8\" style=\"text-align: center\">6.543%<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59e05ff9\">\n<p data-css=\"tve-u-18f59e05ffa\" style=\"text-align: center\">7.543%<\/p>\n<\/div>\n<\/td>\n<\/tr>\n<tr class=\"tve_table_row\">\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59e05ffb\">\n<p data-css=\"tve-u-18f59e05ffc\" style=\"text-align: center\">2021 &#8211; 2022<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59e05ffd\">\n<p data-css=\"tve-u-18f59e05ffe\" style=\"text-align: center\">3.734%<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59e05fff\">\n<p data-css=\"tve-u-18f59e06000\" style=\"text-align: center\">5.284%<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59e06001\">\n<p data-css=\"tve-u-18f59e06002\" style=\"text-align: center\">6.284%<\/p>\n<\/div>\n<\/td>\n<\/tr>\n<tr class=\"tve_table_row\">\n<td class=\"tve_table_cell\" rowspan=\"1\" colspan=\"1\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59e06003\">\n<p data-css=\"tve-u-18f59e06004\" style=\"text-align: center\">2020 &#8211; 2021<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\" rowspan=\"1\" colspan=\"1\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59e06005\">\n<p data-css=\"tve-u-18f59e06006\" style=\"text-align: center\">2.750%<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\" rowspan=\"1\" colspan=\"1\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59e06007\">\n<p data-css=\"tve-u-18f59e06008\" style=\"text-align: center\">4.300%<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\" rowspan=\"1\" colspan=\"1\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59e0600a\">\n<p data-css=\"tve-u-18f59e0600b\" style=\"text-align: center\">5.300%<\/p>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div class=\"thrv_wrapper thrv_text_element\">\n<h2 id=\"t-1715199324577\" class=\"\">Interest Rate Formula For New Federal Student Loans<\/h2>\n<\/div>\n<div class=\"thrv_wrapper thrv_text_element\">\n<p>The <a class=\"\" href=\"https:\/\/thecollegeinvestor.com\/student-loan-debt\/interest-rate\/\" target=\"_blank\">interest rates<\/a> on federal student loans are set based on a formula that adds a fixed margin based on the type of loan to the high yield from the last 10-year Treasury Note auction in May. The margins are as follows:<\/p>\n<ul class=\"\">\n<li>High yield + 2.05% for the Federal Direct Stafford Loan for undergraduate students, capped at 8.25%<\/li>\n<li>High yield + 3.60% for the Federal Direct Stafford Loan for graduate students, capped at 9.50%<\/li>\n<li>High yield + 4.60% for the Federal Direct Grad PLUS Loan, capped at 10.50%<\/li>\n<li>High yield + 4.60% for the Federal Direct Parent PLUS Loan, capped at 10.50%<\/li>\n<\/ul>\n<p>The&nbsp;<a class=\"\" href=\"https:\/\/www.treasurydirect.gov\/instit\/annceresult\/press\/preanre\/2025\/R_20250506_2.pdf\" target=\"_blank\" rel=\"noopener\">high yield on the 10-year Treasury Note<\/a> was 4.342% for the auction on May 6, 2025. Thus, the new interest rates are as follows:<\/p>\n<ul class=\"\">\n<li>6.392% for the Federal Direct Stafford Loan for undergraduate students, down from 6.533%&nbsp;<\/li>\n<li>7.942% for the Federal Direct Stafford Loan for graduate students, down from 8.083%<\/li>\n<li>8.942% for the Federal Direct <a href=\"https:\/\/thecollegeinvestor.com\/34178\/grad-plus-loan\/\" target=\"_blank\" class=\"\">Grad PLUS Loan<\/a>, down from 9.083%<\/li>\n<li>8.942% for the Federal Direct <a href=\"https:\/\/thecollegeinvestor.com\/student-loan-debt\/parent-plus-loan\/\" target=\"_blank\" class=\"\">Parent PLUS Loan<\/a>, down from 9.083%<\/li>\n<\/ul>\n<\/div>\n<div class=\"thrv_wrapper thrv_text_element\">\n<h2 class=\"\" id=\"t-1715199324579\">Impact Of Rising Interest Rates<\/h2>\n<p>The increase in interest rates yields a slight decrease in the monthly student loan payment of about $0.72 per month per $10,000 borrowed, assuming a 10-year repayment term, as compared with last year&rsquo;s interest rates.<\/p>\n<p>These tables show the impact of the change in interest rates on the monthly student loan payment for each type of federal education loan.<\/p>\n<\/div>\n<div class=\"thrv_wrapper thrv_text_element\">\n<p>Here&#8217;s Undergraduate <a href=\"https:\/\/thecollegeinvestor.com\/33244\/direct-student-loan\/\" target=\"_blank\" class=\"\">Direct Loans<\/a>:<\/p>\n<\/div>\n<div class=\"thrv_wrapper thrv_table tcb-fixed\" data-ct-name=\"Blank Table\" data-ct=\"table--1\" data-element-name=\"Table\" data-css=\"tve-u-18f59df252a\">\n<table data-rows=\"7\" data-cols=\"4\" class=\"tve_table tcb-fixed tve_table_flat\" data-css=\"tve-u-18f59dc98b2\" style=\"--tve-border-width: 3px\">\n<thead>\n<tr class=\"tve_table_row\">\n<th class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59dca0e3\">\n<p data-css=\"tve-u-18f59dca0b8\" style=\"text-align: center\"><strong>Year<\/strong><\/p>\n<\/div>\n<\/th>\n<th class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\">\n<p data-css=\"tve-u-18f59dcb3bd\" style=\"text-align: center\"><strong>Undergraduate Direct Loan<\/strong><\/p>\n<\/div>\n<\/th>\n<th class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\">\n<p data-css=\"tve-u-18f59dcb3bd\" style=\"text-align: center\"><strong>Monthly Payment Per $10,000&nbsp;<\/strong><\/p>\n<\/div>\n<\/th>\n<th class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\">\n<p data-css=\"tve-u-18f59dcb3bd\" style=\"text-align: center\"><strong>Change vs. LY<\/strong><\/p>\n<\/div>\n<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr class=\"tve_table_row\">\n<td class=\"tve_table_cell\" rowspan=\"1\" colspan=\"1\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59dd279f\">\n<p data-css=\"tve-u-18f59dd2775\" style=\"text-align: center\">2025 &#8211; 2026<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\" rowspan=\"1\" colspan=\"1\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59dd279f\">\n<p data-css=\"tve-u-18f59dd2775\" style=\"text-align: center\">6.392%<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\" rowspan=\"1\" colspan=\"1\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59dd279f\">\n<p data-css=\"tve-u-18f59dd2775\" style=\"text-align: center\">$113.00<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\" rowspan=\"1\" colspan=\"1\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59dd279f\">\n<p data-css=\"tve-u-18f59dd2775\" style=\"text-align: center\">-0.63%<\/p>\n<\/div>\n<\/td>\n<\/tr>\n<tr class=\"tve_table_row\">\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59dd279f\">\n<p data-css=\"tve-u-18f59dd2775\" style=\"text-align: center\">2024 &#8211; 2025<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59dd279f\">\n<p data-css=\"tve-u-18f59dd2775\" style=\"text-align: center\">6.533%<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59dd279f\">\n<p data-css=\"tve-u-18f59dd2775\" style=\"text-align: center\">$113.72<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59dd279f\">\n<p data-css=\"tve-u-18f59dd2775\" style=\"text-align: center\">19.2%<\/p>\n<\/div>\n<\/td>\n<\/tr>\n<tr class=\"tve_table_row\">\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59dd279f\">\n<p data-css=\"tve-u-18f59dd2775\" style=\"text-align: center\">2023 &#8211; 2024<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59dd279f\">\n<p data-css=\"tve-u-18f59dd2775\" style=\"text-align: center\">5.498%<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59dd279f\">\n<p data-css=\"tve-u-18f59dd2775\" style=\"text-align: center\">$108.52<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59dd279f\">\n<p data-css=\"tve-u-18f59dd2775\" style=\"text-align: center\">13.7%<\/p>\n<\/div>\n<\/td>\n<\/tr>\n<tr class=\"tve_table_row\">\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59dd279f\">\n<p data-css=\"tve-u-18f59dd2775\" style=\"text-align: center\">2022 &#8211; 2023<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59dd279f\">\n<p data-css=\"tve-u-18f59dd2775\" style=\"text-align: center\">4.993%<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59dd279f\">\n<p data-css=\"tve-u-18f59dd2775\" style=\"text-align: center\">$106.03<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59dd279f\">\n<p data-css=\"tve-u-18f59dd2775\" style=\"text-align: center\">11.1%<\/p>\n<\/div>\n<\/td>\n<\/tr>\n<tr class=\"tve_table_row\">\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59dd279f\">\n<p data-css=\"tve-u-18f59dd2775\" style=\"text-align: center\">2021 &#8211; 2022<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59dd279f\">\n<p data-css=\"tve-u-18f59dd2775\" style=\"text-align: center\">3.734%<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59dd279f\">\n<p data-css=\"tve-u-18f59dd2775\" style=\"text-align: center\">$99.99<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59dd279f\">\n<p data-css=\"tve-u-18f59dd2775\" style=\"text-align: center\">4.8%<\/p>\n<\/div>\n<\/td>\n<\/tr>\n<tr class=\"tve_table_row\">\n<td class=\"tve_table_cell\" rowspan=\"1\" colspan=\"1\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59dd279f\">\n<p data-css=\"tve-u-18f59dd2775\" style=\"text-align: center\">2020 &#8211; 2021<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\" rowspan=\"1\" colspan=\"1\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59dd279f\">\n<p data-css=\"tve-u-18f59dd2775\" style=\"text-align: center\">2.750%<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\" rowspan=\"1\" colspan=\"1\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59dd279f\">\n<p data-css=\"tve-u-18f59dd2775\" style=\"text-align: center\">$95.41<\/p>\n<\/div>\n<\/td>\n<td class=\"tve_table_cell\" rowspan=\"1\" colspan=\"1\">\n<div class=\"thrv_wrapper thrv_text_element\" data-css=\"tve-u-18f59dd279f\">\n<p data-css=\"tve-u-18f59dd2775\" style=\"text-align: center\">0%<\/p>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div class=\"thrv_wrapper thrv_text_element\">\n<h2 class=\"\" id=\"t-1715199324580\">Current Interest Rates On Private Student Loans<\/h2>\n<p>The interest rates on private student loans depend on the type of loan and the credit score of the borrower (and cosigner, if any). They also depend on the repayment term.&nbsp;<\/p>\n<p>The interest rates for private student loans range from about 4.5% to 16.5% (fixed) and 5.5% to 18% (variable).<\/p>\n<p>The interest rates for <a href=\"https:\/\/thecollegeinvestor.com\/21558\/best-places-refinance-student-loans\/\" target=\"_blank\" class=\"\">private refinance loans<\/a> range from about 5% to 11% (fixed) and 5% to 11% (variable).&nbsp;<\/p>\n<p>Interest rates on private student loans typically change monthly. You can see a <a href=\"https:\/\/thecollegeinvestor.com\/22108\/best-private-student-loans\/\" target=\"_blank\" class=\"\">list of private loan lenders and rates here<\/a>.<\/p>\n<p><strong>Related Stories:<\/strong><\/p>\n<\/div>\n<div class=\"tcb-post-list tve-content-list thrv_wrapper\" data-type=\"grid\" data-pagination-type=\"none\" data-pages_near_current=\"2\" data-css=\"tve-u-196a73ff4e5\" data-no_posts_text=\"There are no posts to display.\" data-total_post_count=\"3\" data-total_sticky_count=\"0\" data-disabled-links=\"1\">\n<article id=\"post-22108\" class=\"post-22108 post type-post status-publish format-standard has-post-thumbnail category-private tag-featured-pay-for-college entry post-wrapper thrv_wrapper thrive-animated-item \" data-id=\"22108\" data-selector=\".post-wrapper\">@media (min-width: 300px){[data-css=&#8221;tve-u-196a73ff4e5&#8243;].tcb-post-list #post-22108 [data-css=&#8221;tve-u-196a73ff4eb&#8221;]{background-image: url(&#8220;https:\/\/thecollegeinvestor.com\/wp-content\/uploads\/2023\/08\/What_Are_Private_Non-Profit_Student_Loan_Providers_1280x720-150&#215;150.jpeg&#8221;) !important;}}<\/p>\n<div class=\"thrv_wrapper thrv-columns\" data-css=\"tve-u-196a73ff4e8\" style=\"--tcb-col-el-width:260\">\n<div class=\"tcb-flex-row v-2 tcb-row-reversed-mobile tcb-resized tcb--cols--2\" data-css=\"tve-u-196a73ff4e7\">\n<div class=\"tcb-flex-col\" data-css=\"tve-u-196a73ff4e6\">\n<div class=\"tcb-col\" style=\"max-width: 67%\">\n<div class=\"thrv_wrapper thrv_text_element\">\n<h4 class=\"\"><span class=\"thrive-shortcode-content\" data-attr-link=\"1\" data-attr-rel=\"0\" data-attr-target=\"0\" data-extra_key=\"\" data-option-inline=\"1\" data-shortcode=\"tcb_post_title\" data-shortcode-name=\"Post title\" style=\"font-size: 18px !important\" data-attr-css=\"tve-u-196a73ff4f1\" data-attr-static-link='{\"className\":\"\",\"href\":\"https:\/\/thecollegeinvestor.com\/17286\/people-paid-off-their-student-loan-debt\/\",\"title\":\"How 16 Real People Paid Off Their Student Loan Debt\",\"data-css\":\"tve-u-196a73ff4f1\",\"class\":\"\"}' data-css=\"tve-u-196a73ff4ef\"><a href=\"https:\/\/thecollegeinvestor.com\/22108\/best-private-student-loans\/\" title=\"10 Best Private Student Loan Lenders For College\" data-css=\"tve-u-196a73ff4f1\" class=\"\">10 Best Private Student Loan Lenders For College<\/a><\/span><\/h4>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"tcb-flex-col\" data-css=\"tve-u-196a73ff4e9\">\n<div class=\"tcb-col\">\n<div class=\"tcb-clear\" data-css=\"tve-u-196a73ff4ed\"><a href=\"https:\/\/thecollegeinvestor.com\/22108\/best-private-student-loans\/\" class=\"tve-dynamic-link\" data-shortcode-id=\"22108\"><\/p>\n<div class=\"thrv_wrapper thrv_contentbox_shortcode thrv-content-box tve-elem-default-pad tcb-local-vars-root\" data-css=\"tve-u-196a73ff4ea\">\n<div class=\"tve-content-box-background\" data-css=\"tve-u-196a73ff4eb\"><\/div>\n<div class=\"tve-cb\" data-css=\"tve-u-196a73ff4ec\"><\/div>\n<\/div>\n<p><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"tve-article-cover\"><a class=\"tcb-article-cover-link\" href=\"https:\/\/thecollegeinvestor.com\/22108\/best-private-student-loans\/\">10 Best Private Student Loan Lenders For College<\/a><\/div>\n<\/article>\n<article id=\"post-21558\" class=\"post-21558 post type-post status-publish format-standard has-post-thumbnail category-student-loan-refinance entry post-wrapper thrv_wrapper thrive-animated-item \" data-id=\"21558\" data-selector=\".post-wrapper\">@media (min-width: 300px){[data-css=&#8221;tve-u-196a73ff4e5&#8243;].tcb-post-list #post-21558 [data-css=&#8221;tve-u-196a73ff4eb&#8221;]{background-image: url(&#8220;https:\/\/thecollegeinvestor.com\/wp-content\/uploads\/2018\/03\/WP_SLR-150&#215;150.jpg&#8221;) !important;}}<\/p>\n<div class=\"thrv_wrapper thrv-columns\" data-css=\"tve-u-196a73ff4e8\" style=\"--tcb-col-el-width:260\">\n<div class=\"tcb-flex-row v-2 tcb-row-reversed-mobile tcb-resized tcb--cols--2\" data-css=\"tve-u-196a73ff4e7\">\n<div class=\"tcb-flex-col\" data-css=\"tve-u-196a73ff4e6\">\n<div class=\"tcb-col\" style=\"max-width: 67%\">\n<div class=\"thrv_wrapper thrv_text_element\">\n<h4 class=\"\"><span class=\"thrive-shortcode-content\" data-attr-link=\"1\" data-attr-rel=\"0\" data-attr-target=\"0\" data-extra_key=\"\" data-option-inline=\"1\" data-shortcode=\"tcb_post_title\" data-shortcode-name=\"Post title\" style=\"font-size: 18px !important\" data-attr-css=\"tve-u-196a73ff4f1\" data-attr-static-link='{\"className\":\"\",\"href\":\"https:\/\/thecollegeinvestor.com\/17286\/people-paid-off-their-student-loan-debt\/\",\"title\":\"How 16 Real People Paid Off Their Student Loan Debt\",\"data-css\":\"tve-u-196a73ff4f1\",\"class\":\"\"}' data-css=\"tve-u-196a73ff4ef\"><a href=\"https:\/\/thecollegeinvestor.com\/21558\/best-places-refinance-student-loans\/\" title=\"Best Student Loan Refinance Lenders In 2025\" data-css=\"tve-u-196a73ff4f1\" class=\"\">Best Student Loan Refinance Lenders In 2025<\/a><\/span><\/h4>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"tcb-flex-col\" data-css=\"tve-u-196a73ff4e9\">\n<div class=\"tcb-col\">\n<div class=\"tcb-clear\" data-css=\"tve-u-196a73ff4ed\"><a href=\"https:\/\/thecollegeinvestor.com\/21558\/best-places-refinance-student-loans\/\" class=\"tve-dynamic-link\" data-shortcode-id=\"22108\"><\/p>\n<div class=\"thrv_wrapper thrv_contentbox_shortcode thrv-content-box tve-elem-default-pad tcb-local-vars-root\" data-css=\"tve-u-196a73ff4ea\">\n<div class=\"tve-content-box-background\" data-css=\"tve-u-196a73ff4eb\"><\/div>\n<div class=\"tve-cb\" data-css=\"tve-u-196a73ff4ec\"><\/div>\n<\/div>\n<p><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"tve-article-cover\"><a class=\"tcb-article-cover-link\" href=\"https:\/\/thecollegeinvestor.com\/21558\/best-places-refinance-student-loans\/\">Best Student Loan Refinance Lenders In 2025<\/a><\/div>\n<\/article>\n<article id=\"post-20309\" class=\"post-20309 post type-post status-publish format-standard has-post-thumbnail category-student-loans tag-featured-pay-for-college entry post-wrapper thrv_wrapper thrive-animated-item \" data-id=\"20309\" data-selector=\".post-wrapper\">@media (min-width: 300px){[data-css=&#8221;tve-u-196a73ff4e5&#8243;].tcb-post-list #post-20309 [data-css=&#8221;tve-u-196a73ff4eb&#8221;]{background-image: url(&#8220;https:\/\/thecollegeinvestor.com\/wp-content\/uploads\/2020\/07\/TheCollegeInvestor_AllSizes_Best_Student_Loans_1280x720-150&#215;150.jpg&#8221;) !important;}}<\/p>\n<div class=\"thrv_wrapper thrv-columns\" data-css=\"tve-u-196a73ff4e8\" style=\"--tcb-col-el-width:260\">\n<div class=\"tcb-flex-row v-2 tcb-row-reversed-mobile tcb-resized tcb--cols--2\" data-css=\"tve-u-196a73ff4e7\">\n<div class=\"tcb-flex-col\" data-css=\"tve-u-196a73ff4e6\">\n<div class=\"tcb-col\" style=\"max-width: 67%\">\n<div class=\"thrv_wrapper thrv_text_element\">\n<h4 class=\"\"><span class=\"thrive-shortcode-content\" data-attr-link=\"1\" data-attr-rel=\"0\" data-attr-target=\"0\" data-extra_key=\"\" data-option-inline=\"1\" data-shortcode=\"tcb_post_title\" data-shortcode-name=\"Post title\" style=\"font-size: 18px !important\" data-attr-css=\"tve-u-196a73ff4f1\" data-attr-static-link='{\"className\":\"\",\"href\":\"https:\/\/thecollegeinvestor.com\/17286\/people-paid-off-their-student-loan-debt\/\",\"title\":\"How 16 Real People Paid Off Their Student Loan Debt\",\"data-css\":\"tve-u-196a73ff4f1\",\"class\":\"\"}' data-css=\"tve-u-196a73ff4ef\"><a href=\"https:\/\/thecollegeinvestor.com\/20309\/find-best-student-loan-rates\/\" title=\"Best Student Loans And Current Rates In May 2025\" data-css=\"tve-u-196a73ff4f1\" class=\"\">Best Student Loans And Current Rates In May 2025<\/a><\/span><\/h4>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"tcb-flex-col\" data-css=\"tve-u-196a73ff4e9\">\n<div class=\"tcb-col\">\n<div class=\"tcb-clear\" data-css=\"tve-u-196a73ff4ed\"><a href=\"https:\/\/thecollegeinvestor.com\/20309\/find-best-student-loan-rates\/\" class=\"tve-dynamic-link\" data-shortcode-id=\"22108\"><\/p>\n<div class=\"thrv_wrapper thrv_contentbox_shortcode thrv-content-box tve-elem-default-pad tcb-local-vars-root\" data-css=\"tve-u-196a73ff4ea\">\n<div class=\"tve-content-box-background\" data-css=\"tve-u-196a73ff4eb\"><\/div>\n<div class=\"tve-cb\" data-css=\"tve-u-196a73ff4ec\"><\/div>\n<\/div>\n<p><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"tve-article-cover\"><a class=\"tcb-article-cover-link\" href=\"https:\/\/thecollegeinvestor.com\/20309\/find-best-student-loan-rates\/\">Best Student Loans And Current Rates In May 2025<\/a><\/div>\n<\/article>\n<\/div>\n<div class=\"tcb_flag\"><\/div>\n<div class=\"editor-reviewer\">\n<p><span class=\"edited-by\"><\/p>\n<p>      Editor: <a href=\"https:\/\/thecollegeinvestor.com\/author\/robert\/\">Robert Farrington<\/a><\/span> <\/p>\n<\/div>\n<p>The post <a rel=\"nofollow\" href=\"https:\/\/thecollegeinvestor.com\/46523\/federal-student-loan-interest-rates\/\">Federal Student Loan Interest Rates Set To Drop Slightly For 2025-2026<\/a> appeared first on <a rel=\"nofollow\" href=\"https:\/\/thecollegeinvestor.com\">The College Investor<\/a>.<\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>The new interest rates on federal student loans for 2025-26 school year are set to fall slightly. The interest rates on federal student loans are fixed interest rates for the life of the loan. New interest rates apply to loans disbursed between July 1 and June 30. The interest rates are based on the high [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":228204,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[4448,11558,11290,15805,11291,348,9502,6763],"dealstore":[],"offerexpiration":[],"class_list":["post-228203","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-drop","tag-federal","tag-interest","tag-loan","tag-rates","tag-set","tag-slightly","tag-student"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Federal Student Loan Interest Rates Set To Drop Slightly For 2025-2026 - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=228203\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Federal Student Loan Interest Rates Set To Drop Slightly For 2025-2026 - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"The new interest rates on federal student loans for 2025-26 school year are set to fall slightly. The interest rates on federal student loans are fixed interest rates for the life of the loan. New interest rates apply to loans disbursed between July 1 and June 30. The interest rates are based on the high [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fivemor.com\/?p=228203\" \/>\n<meta property=\"og:site_name\" content=\"Som2ny Network\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-07T05:54:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/05\/CollegeInvestor_1280x720_Federal_Student_Loan_Interest_Rates_Set_To_Rise.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/fivemor.com\/?p=228203#article\",\"isPartOf\":{\"@id\":\"https:\/\/fivemor.com\/?p=228203\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371\"},\"headline\":\"Federal Student Loan Interest Rates Set To Drop Slightly For 2025-2026\",\"datePublished\":\"2025-05-07T05:54:21+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/fivemor.com\/?p=228203\"},\"wordCount\":816,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/fivemor.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/fivemor.com\/?p=228203#primaryimage\"},\"thumbnailUrl\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/05\/CollegeInvestor_1280x720_Federal_Student_Loan_Interest_Rates_Set_To_Rise.jpg\",\"keywords\":[\"Drop\",\"Federal\",\"Interest\",\"Loan\",\"Rates\",\"Set\",\"slightly\",\"Student\"],\"articleSection\":[\"Finance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/fivemor.com\/?p=228203#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/fivemor.com\/?p=228203\",\"url\":\"https:\/\/fivemor.com\/?p=228203\",\"name\":\"Federal Student Loan Interest Rates Set To Drop Slightly For 2025-2026 - 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