What are the Stafford Loan interest rates?

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  • Fixed interest rate - as low as 4.66%
  • No payments while in school at least half-time

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The interest rates for the current academic year are as follows:

  • 4.66% for undergraduate subsidized loans
  • 4.66% for undergraduate unsubsidized loans
  • 6.21% for graduate Stafford loans

Interest rates for all new Stafford Loans are fixed and can be deferred while you are in school. You may choose to pay the interest every month or you can defer it until you graduate. If you choose to defer your interest it will be capitalized and added to your loan balance.

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Stafford Loan Interest Rates

Academic Year Subsidized Rates Unsubsidized Rates Graduate Rates
2011-12 3.40% 6.80% 6.80%
2012-13 3.40% 6.80% 6.80%
2013-14* 3.86% 3.86% 5.41%
Current Stafford Loan interest rates in effect from 07/01/2013 to 06/30/2014
*These rates have been updated to reflect the new student loan interest rate legislation that went into effect on August 9, 2013. Stay up-to-date on interest rate changes and Stafford loan news at StudentLoanNetwork.com.

Stafford Loan Frequently Asked Questions