what interest rate are federal unsubsidized stafford loans at
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- 1 The Stafford Loan interest rate for undergraduate subsidized/unsubsidized is a fixed 4.66% for 2014-15.  The Stafford Loan interest rate for graduate unsubsidized is a fixed 6.21% for 2014-15.
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- The additional aggregate limits for unsubsidized Stafford loans were $23,000 for undergraduate students (independent students and dependent students whose parents were denied a PLUS loan) and $73,000 for graduate students, bringing the combined aggregate limits to $46,000 and $138,500.
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Master Promissory Note Direct Subsidized Loans and Direct Unsubsidized Loans William D. Ford Federal Direct Loan Program undergraduate borrowers. Unsubsidized: not based on financial need; interest is charged during all periods, even during the time a student. is in-school and during grace and deferment periods. For the 2013-2014 academic year, the fixed interest rate for. this loan is 6.8% with a 1% origination fee for all borrowers. PLUS: unsubsidized loans for graduate/professional students. Direct PLUS Loans help pay for education. expenses up to the cost of attendance minus all other financial assistance.
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Current Student Loan Interest Rates Federal student loan interest rates. Interest rates on undergraduate Direct Loans recently fell from 4.66% for the 2014-2015 school year to 4.29% for the 2015-2016 school year. Rates are higher for graduate Direct Loans (5.84%) and Direct PLUS Loans (6.84%). These rates are locked in for loans first disbursed between July 1, 2015 and July 1, 2016. Remember, even though rates can reset each year, the rate you receive when your loan is first disbursed remains your rate for the life of the loan.
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- Federal Stafford Loan. 1  Borrow the entire cost of undergraduate education. 2  Defer Payment until after Graduation. 3  Co-signer release upon qualification. 4  Up to 0.25% interest rate reduction.
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Federal Loan Limits Independent students may borrow the same amounts in subsidized Stafford loans as dependent students, plus an additional $4,000 a year in the first two years of their academic program and $5,000 a year for the remainder of the program, though the unsubsidized Stafford loan program.
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Whatâs the Difference Between Subsidized and Unsubsidized Loans? Interest rates: According to the U.S. Department of Education, the current APR for undergraduate subsidized and unsubsidized loans (between July 2015 and July 2016) is 4.29%. The unsubsidized graduate degree loan interest rate is 5.84%. Loan fees: Both loans carry similar fees.
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Interest Rates for Student Loans Just Went Up Undergraduates borrowing new Stafford loans (for subsidized Stafford loans, which are based on financial need, and nonsubsidized loans, which are not) for the 2014-2015 school year will pay a rate of 4.66 percent, up from 3.86 percent for loans issued in 2013-2014.ndergraduates borrowing new Stafford loans (for subsidized Stafford loans, which are based on financial need, and nonsubsidized loans, which are not) for the 2014-2015 school year will pay a rate of 4.66 percent, up from 3.86 percent for loans issued in 2013-2014.
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- This interest subsidy effectively gives the loan a zero percent interest rate during the in-school and other deferment periods. In contrast, the government does not pay the interest on unsubsidized Federal Stafford loans. (A comparison of subsidized and unsubsidized Federal Stafford Loans discusses other differences between subsidized and unsubsidized Federal Stafford loans.).
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Federal Direct Unsubsidized Loans Unsubsidized Loan Interest Rates. All Direct Subsidized and Unsubsidized Loans disbursed between July 1, 2014 and June 30, 2015 carry a fixed interest rate of 4.66% for undergraduates. Graduate or professional students receiving a Direct Unsubsidized Loan disbursed between July 1, 2014 and June 30, 2015 will have a fixed interest rate of 6.21%.
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Current Student Loan Interest Rates Federal Direct Student Loan. 2016–2017 Interest Rates. For Federal Direct Student Loans with a first disbursement date between July 1, 2016 and June 30, 2017, the following rates are fixed for the life of the loan: Direct Subsidized Loans and Direct Unsubsidized. Loans for Undergraduate Students 3.76%.
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Student Loan Interest Rates Interest on a student loan may be subsidized or unsubsidized. The federal government pays the interest on a subsidized loan while the borrower is enrolled at least half-time and during other periods of authorized deferment. This effectively reduces the interest rate to 0.0% during the in-school period.
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- Office of Student Financial Aid Services. Federal Direct Stafford (Subsidized/Unsubsidized) – Student Loans. Loan Fee Change for Stafford Loans First Disbursed on or after 10/1/2014 and before 10/1/2015: All loans that first disburse after this date will carry a 1.073% origination fee. Fees for loans first disbursed after 10/1/2015 are not yet available. Federal need and non-need based loan program.
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- The interest rate on the Federal Stafford loan for graduate and professional school students is 5.84% for the 2015-2016 academic year, with a loan fee of 1.068%.ederal Stafford loans are the most common — and among the lowest-cost — ways to pay for graduate and professional school. As of July 1, 2012, only unsubsidized Federal Stafford loans are available to graduate students; however, subsidized Federal Stafford loans remain available to undergraduate students.
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- 1 Federal need and non-need based loan program. 2  Fixed 3.76% interest rate for Undergraduate borrowers; fixed 5.31% interest rate for Graduate borrowers.  Subsidized & Unsubsidized Federal Direct Stafford Loans available to eligible Undergraduate students registered at least half-time.
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Student Loan Interest Rates, Fees, and History Interest Rates and Fees on Federal Student Loans. Summary: Interest rates on new federal student loans are fixed for the life of the loan. For loans taken out for the 2016-2017 school year, undergraduate students receive a 3.76% interest rate and graduate students receive a 5.31% interest rate.
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Current Student Loan Interest Rates Federal student loan interest rates. Interest rates on undergraduate Direct Loans recently fell from 4.66% for the 2014-2015 school year to 4.29% for the 2015-2016 school year. Rates are higher for graduate Direct Loans (5.84%) and Direct PLUS Loans (6.84%).
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Direct Stafford Loans The description is Direct Stafford Loans are the most common federal student loans. Available to undergraduate, graduate, and professional students, these education loans are originated by the federal government and feature fixed interest rates, a 1.069% origination fee and various repayment options.
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- Federal Stafford loans are the most common — and among the lowest-cost — ways to pay for graduate and professional school. As of July 1, 2012, only unsubsidized Federal Stafford loans are available to graduate students; however, subsidized Federal Stafford loans remain available to undergraduate students.edical school and health professions students may borrow up to $40,500 per year and have a cumulative loan limit of up to $224,000. On August 9, 2013 President Obama signed the Bipartisan Student Loan Certainty Act of 2013 (P.L. 113-28), changing how student loan interest rates are determined.
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Stafford Loans Stafford loans are for undergraduate, graduate and professional students enrolled at least half-time. As of July 1, 2010, Federal Stafford Loans are made to students only through the Direct Loan program. Stafford loans may be subsidized or unsubsidized.
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Advantages of Federal Direct Loans Competitive interest rates – As with other types of federal loans, Federal Direct Loans charge a lower rate than loans from private lenders. For 2015-2016, Federal Direct Loans charge 4.29% per year for both subsidized and unsubsidized undergraduate loans and 5.84% for graduate loans. Rates are recalculated each year; recent legislation now links them to the rate of the 10-year Treasury note. Click here to check current rates.
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- Interest Rates and Fees. PLUS loans through the Direct Loan program have a fixed interest rate of 6.41%. The interest on the PLUS loan is not subsidized while the student is in school, unlike the subsidized Stafford and Perkins loans. The PLUS loan charges loan fees of 4%, deducted from each disbursement check.
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Stafford Loans The total amount of Stafford loans, including both subsidized and unsubsidized, that undergraduates can borrow is $31,000 for dependent students and $57,500 for independent students. Subsidized loans can be no more than $23,000 of this aggregate amount.
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Stafford Loan Stafford Loans are available both as subsidized and unsubsidized loans. Subsidized loans are offered to students based on demonstrated financial need. (See Expected Family Contribution.) The interest on subsidized loans is paid by the federal government while the student is in school and during authorized deferment. For unsubsidized Stafford Loans, students are responsible for all of the interest that accrues while the student is enrolled in school. The interest may be deferred throughout enrollment. Unpaid interest that is deferred until after graduation is capitalized (added to the loan principal).