{"id":14725,"date":"2025-05-07T18:01:34","date_gmt":"2025-05-07T18:01:34","guid":{"rendered":"https:\/\/finderica.com\/?p=14725"},"modified":"2025-05-07T18:01:34","modified_gmt":"2025-05-07T18:01:34","slug":"student-loan-interest-rates-for-2025-26-expert-estimate","status":"publish","type":"post","link":"https:\/\/finderica.com\/?p=14725","title":{"rendered":"Student loan interest rates for 2025-26: Expert estimate"},"content":{"rendered":"
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Skynesher | E+ | Getty Images<\/p>\n<\/div>\n<\/div>\n<\/div>\n

<\/a>Expected student loan interest rates for 2025-2026<\/h2>\n
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The interest rate on federal direct undergraduate loans could be 6.39% in the 2025-2026 academic year, estimates Kantrowitz. The undergraduate rate for the 2024-2025 year is 6.53%<\/a>.<\/p>\n

At those new undergraduate rates, every $10,000 a family borrowed would lead to a $113 monthly student loan payment after graduation, assuming the student enrolled in a standard 10-year repayment plan. With interest, the borrower would repay $13,559.87 over that decade.<\/p>\n

For graduate students, loans will likely come with an 7.94% interest rate, compared with the current 8.08%<\/a>, Kantrowitz finds.<\/p>\n

PLUS loans for graduate students and\u00a0parents<\/a>\u00a0may have a 8.94% interest rate, a decrease from 9.08<\/a>% now.<\/p>\n<\/div>\n

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The government sets interest rates on its education loans once a year. The rates, which run from July 1 to June 30 of the following year, are based in part on the May auction of the\u00a010-year Treasury note.<\/p>\n

Kantrowitz based his calculations on the Treasury Department’s announced high yield rate on Tuesday of 4.34%.<\/a><\/p>\n<\/div>\n

<\/a>Which borrowers face lower rates\u00a0<\/h2>\n<\/div>\n

Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Skynesher | E+ | Getty Images Expected student loan interest rates for 2025-2026 The interest rate on federal direct undergraduate loans could be 6.39% in the 2025-2026 academic year, estimates Kantrowitz. The undergraduate rate for the 2024-2025 year is 6.53%. At those new undergraduate rates, every $10,000 a family borrowed would lead to a $113<\/p>\n","protected":false},"author":1,"featured_media":14726,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[196],"tags":[5015,725,395,240,261,308],"class_list":{"0":"post-14725","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-finance-news","8":"tag-estimate","9":"tag-expert","10":"tag-interest","11":"tag-loan","12":"tag-rates","13":"tag-student"},"_links":{"self":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/14725","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=14725"}],"version-history":[{"count":0,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/14725\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/media\/14726"}],"wp:attachment":[{"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=14725"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=14725"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=14725"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}