Federal Student Loan Interest Rates

Depending upon when your loan first disbursed, your fixed interest rate will be:

Federal Student Loan Interest Rates

Loan Type
Fixed Interest Rate*
Federal Direct Stafford Subsidized Loans for Undergraduates first disbursed on or after 7/1/11 and before 7/1/13
3.4%
Federal Direct Stafford Subsidized Loans for Undergraduates first disbursed on or after 7/1/10 and before 7/1/11
4.50%
Stafford Subsidized Loans for Undergraduates first disbursed on or after 7/1/09 and before 7/1/10
5.60%
Stafford Subsidized Loans for Undergraduates first disbursed on or after 7/1/08 and before 7/1/09
6.00%
Stafford Subsidized Loans for Undergraduates disbursed between
7/1/06 and 6/30/08
6.80%
Stafford Subsidized Loans for Graduates
6.80%
Stafford Unsubsidized
6.80%
Graduate PLUS Loans
7.90%
Parent PLUS Loans
7.90%

Questions?

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Important Disclaimers:

  • Interest rates are effective 7/1/11. The rates and other information set forth above have been obtained from sources deemed reliable, but do not constitute representations of Commerce Bank, nor shall this be considered an offer by Commerce Bank to fund any loan at rates other than those established by the United States Department of Education.
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