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The following table provides interest rates for direct loans and federal family education loan (ffel) program loans1 first disbursed on or after july 1, 2006, and before july 1, 2023.

Explore current student loan interest rates for 2025, including federal and private options, to make informed borrowing decisions. Students can choose either federal or private student loans to help pay for school Bankrate can help you find the best student loan to fit your needs. Learn about federal student loan interest rates, how they are determined, and their impact on repayment.