Home Student Loans What Is The Interest Rate On Federal Student Loans?

What Is The Interest Rate On Federal Student Loans?

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Öğrenciler, öğretim yaşamlarında karşılaştıkları maliyetleri karşılamak için öğrenci kredileri alırlar ve genellikle federal öğrenci kredilerini seçerler. Federal öğrenci kredileri özel krediler daha düşük faiz oranına sahip ve federal öğrenci kredilerin faiz oranı sabittir. Ayrıca, belirli bir ödeme süresinden sonra, bu öğrenci kredisi affedilir. Ve devlet tarafından güvence altına alındıklarından, borç verenler kredi notunuzu veya gelirinizi dikkate almazlar.

Federal öğrenci kredileri üzerindeki faiz oranı, ilk ödemeye başladığınız süreye, aldığınız federal öğrenci kredisinin türüne ve aldığınız eğitim derecesine (örneğin, lisans, yüksek lisans) bağlı olarak değişir. Ve bu krediler için ödediği kredi ücreti de bu kriterlere göre değişmektedir.

Federal öğrenci kredilerinde faiz oranı

Her federal öğrenci kredisi için faiz oranına ek olarak bir kredi ücreti vardır. Faiz oranı federal student loans is determined by federal law, not by the US Department of Education. Credit fees for federal student loans are usually charged as a percentage of the total loan amount. And each credit payment you receive when you sign up for school is proportionally deducted. Accordingly, the amount of credit you receive is less than the amount you actually borrowed.

The interest rate on federal student loans will fall in the 2019-2020 academic year for all types of federal loans paid between 1 July 2019 and 1 July 2020. The first payment date of any student is the first date that the lender receives payment. For students whose first payment date is between these dates, the interest rate on federal student loans is as follows;

  • For undergraduate students, the interest rate on direct subsidized federal student loans is 4.53% and the credit fee received from these students is 1.059%.
  • For undergraduate students, the interest rate on direct unsubsidized federal student loans is 4.53%, and the credit fee received from these students is 1.059%.
  • For graduate and professional students, the interest rate on direct unsubsidized federal student loans is 6.08% and the credit fee received from these students is 1.059%.
  • For parents, graduate students and professional students, the interest rate on Direct PLUS loans is 7.08% and the credit fee received from these people is 4.236%.

The interest rate on direct subsidized federal student loans

First of all, you should know that; Directly subsidized federal student loans are only available to college students with high financial needs. There are two reasons why the interest rate on direct-subsidized federal student loans is the same as the interest rate on direct unsubsidized federal student loans;

  • Subsidized federal student loans do not accrue interest while attending school.
  • People who receive subsidized federal student loans do not begin paying student loans immediately upon graduation. They have a grace period of six months.

The interest rate on direct subsidized federal student loans for undergraduate students by years;

  • From 1 July 2006 to 30 June 2008, the interest rate on direct subsidized federal student loans was 6.80%.
  • Between 1 July 2008 and 30 June 2009, the interest rate on direct subsidized federal student loans was 6%.
  • Between 1 July 2009 and 30 June 2010, the interest rate on direct subsidized federal student loans was 5.60%.
  • Between 1 July 2010 and 30 June 2011, the interest rate on direct subsidized federal student loans was 4.50%.
  • Between 1 July 2011 and 30 June 2013, the interest rate on direct subsidized federal student loans was 3.40%.
  • Between 1 July 2013 and 30 June 2014, the interest rate on direct subsidized federal student loans was 3.86%.
  • Between 1 July 2014 and 30 June 2015, the interest rate on direct subsidized federal student loans was 4.66%.
  • Between 1 July 2015 and 30 June 2016, the interest rate on direct subsidized federal student loans was 4.29%.
  • Between 1 July 2016 and 30 June 2017, the interest rate on direct subsidized federal student loans was 3.76%.
  • Between 1 July 2017 and 30 June 2018, the interest rate on direct subsidized federal student loans was 4.45%.
  • Between 1 July 2018 and 30 June 2019, the interest rate on direct subsidized federal student loans was 5.05%.

The interest rate on direct subsidized federal student loans for graduate students;

Between 1 July 2006 and 30 June 2012, the interest rate on direct subsidized federal student loans was.

The interest rate on direct unsubsidized federal student loans

To take out direct unsubsidized federal student loans is easier to obtain than take out direct subsidized federal student loans. Because you do not need to prove your need to take out these loans.

The interest rate on direct unsubsidized federal student loans for the undergraduate students by years;

  • Between 1 July 2006 and 30 June 2013, the interest rate on direct unsubsidized federal student loans was %6.80.
  • Between 1 July 2013 and 30 June 2014, the interest rate on direct unsubsidized federal student loans was %3.86.
  • Between 1 July 2014 and 30 June 2015, the interest rate on direct unsubsidized federal student loans was %4.66.
  • Between 1 July 2015 and 30 June 2016, the interest rate on direct unsubsidized federal student loans was %4.29.
  • Between 1 July 2016 and 30 June 2017, the interest rate on direct unsubsidized federal student loans was %3.76.
  • Between 1 July 2017 and 30 June 2018, the interest rate on direct unsubsidized federal student loans was %4.45.
  • Between 1 July 2018 and 30 June 2019, the interest rate on direct unsubsidized federal student loans was %5.05.

The interest rate on direct unsubsidized federal student loans for graduate students and professional students by years;

  • Between 1 July 2006 and 30 June 2013, the interest rate on direct unsubsidized federal student loans was %6.80.
  • Between 1 July 2013 and 30 June 2014, the interest rate on direct unsubsidized federal student loans was %5.41.
  • Between 1 July 2014 and 30 June 2015, the interest rate on direct unsubsidized federal student loans was %6.21.
  • Between 1 July 2015 and 30 June 2016, the interest rate on direct unsubsidized federal student loans was %5.84.
  • Between 1 July 2016 and 30 June 2017, the interest rate on direct unsubsidized federal student loans was %5.31.
  • Between 1 July 2017 and 30 June 2018, the interest rate on direct unsubsidized federal student loans was %6.
  • Between 1 July 2018 and 30 June 2019, the interest rate on direct unsubsidized federal student loans was %6.60.

The interest rate on federal PLUS student loans

Federal PLUS student loans were made under the Federal Family Education Loan (FFEL) Program. These loans have been not made since 1 July 2010. And these loans should not be confused with Direct PLUS student loans.

Öğrenci ve veli için federal PLUS öğrenci kredileri faiz oranı;

1 Temmuz 2006 ve 30 Haziran 2010 arasında federal PLUS öğrenci kredilerine verilen faiz oranı % 8,50 olmuştur.

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