| Loan | Rate | Fee | You receive | 10-year monthly payment |
|---|---|---|---|---|
| Direct Subsidized and Unsubsidized, undergraduate | 6.52% | 1.057% | $9,894.30 | $113.65 |
| Direct Unsubsidized, graduate or professional | 8.07% | 1.057% | $9,894.30 | $121.70 |
| Direct PLUS, parents and graduate or professional students | 9.07% | 4.228% | $9,577.20 | $127.05 |
Fixed rates for federal loans first paid out July 1, 2026 to June 30, 2027, per $10,000 borrowed. Rates and fees: StudentAid.gov. Source: Student Loan Clear, data as of Oct 22, 2026. Free to reuse with credit (CC BY 4.0).