What are the interest rates for federal student loans? The interest rate varies depending on the loan type and (for most types of federal student loans) the first disbursement date of the loan. The table below provides interest rates for direct subsidized loans, Direct Unsubsidized Loans, and Direct PLUS Loans first disbursed on or after July 1, 2019, and before July 1, 2020.
The best student loans are always federal student loans. Because federal loans are regulated and not consistently available to everyone, some students may need to take out private loans. The best student loans issued by private lenders are those with the lowest interest rates and the most flexible repayment terms.
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