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Add your student loan ratesStudent Loan Rates
Anonymous, self-reported prices matching your filters.
25th pct
6.41% APR
Median
6.49% APR
75th pct
7.89% APR
90th pct
8.00% APR
APR distribution
3.75%8.08%
What drives the rate?
Average APR by loan source.
Federal — graduate
7.94%
Federal — undergraduate
6.44%
Private
5.82%
Recent reports
| APR | Provider | Region | Loan source | Rate type | Credit score | Has co-signer | Signed |
|---|---|---|---|---|---|---|---|
| 5.43% APR | Ascent | Sacramento, CA | Private | Fixed | Good (670-739) | Yes | Jun 2026 |
| 6.42% APR | Federal Direct Loan | NJ | Federal — undergraduate | Fixed | Fair (580-669) | No | Jun 2026 |
| 6.47% APR | Federal Direct Loan | Albany, NY | Federal — undergraduate | Fixed | Good (670-739) | No | Jun 2026 |
| 5.01% APR | College Ave | MI | Private | Fixed | Good (670-739) | Yes | Jun 2026 |
| 6.39% APR | Federal Direct Loan | San Antonio, TX | Federal — undergraduate | Fixed | Good (670-739) | No | May 2026 |
| 3.75% APR | Sallie Mae | AZ | Private | Fixed | Excellent (740+) | No | May 2026 |
| 7.89% APR | Federal Direct Loan | SC | Federal — graduate | Fixed | Poor (<580) | No | May 2026 |
| 6.37% APR | Federal Direct Loan | UT | Federal — undergraduate | Fixed | Good (670-739) | No | May 2026 |
| 4.57% APR | Ascent | IN | Private | Fixed | Good (670-739) | Yes | May 2026 |
| 6.43% APR | Federal Direct Loan | Sacramento, CA | Federal — undergraduate | Fixed | Good (670-739) | No | Apr 2026 |
| 6.46% APR | Federal Direct Loan | MO | Federal — undergraduate | Fixed | Good (670-739) | No | Apr 2026 |
| 6.48% APR | Federal Direct Loan | Orlando, FL | Federal — undergraduate | Fixed | Good (670-739) | No | Apr 2026 |
| 7.90% APR | Federal Direct Loan | SC | Federal — graduate | Fixed | Excellent (740+) | No | Apr 2026 |
| 7.88% APR | Federal Direct Loan | MD | Federal — graduate | Fixed | Fair (580-669) | No | Apr 2026 |
| 7.79% APR | Federal Direct Loan | Sacramento, CA | Federal — graduate | Fixed | Good (670-739) | No | Mar 2026 |
| 7.95% APR | Sallie Mae | Houston, TX | Private | Fixed | Fair (580-669) | Yes | Mar 2026 |
| 6.05% APR | Ascent | NJ | Private | Fixed | Good (670-739) | Yes | Mar 2026 |
| 7.94% APR | Federal Direct Loan | IL | Federal — graduate | Fixed | Excellent (740+) | No | Mar 2026 |
| 6.30% APR | Federal Direct Loan | Austin, TX | Federal — undergraduate | Fixed | Excellent (740+) | No | Feb 2026 |
| 6.83% APR | Sallie Mae | OR | Private | Fixed | Good (670-739) | No | Feb 2026 |
| 7.97% APR | Federal Direct Loan | MI | Federal — graduate | Fixed | Excellent (740+) | No | Feb 2026 |
| 8.04% APR | Federal Direct Loan | San Antonio, TX | Federal — graduate | Fixed | Excellent (740+) | No | Feb 2026 |
| 8.00% APR | Federal Direct Loan | IN | Federal — graduate | Fixed | Excellent (740+) | No | Feb 2026 |
| 6.47% APR | Federal Direct Loan | Austin, TX | Federal — undergraduate | Fixed | Good (670-739) | No | Feb 2026 |
| 6.53% APR | Federal Direct Loan | VA | Federal — undergraduate | Fixed | Fair (580-669) | No | Feb 2026 |
| 6.47% APR | Federal Direct Loan | San Jose, CA | Federal — undergraduate | Fixed | Poor (<580) | No | Feb 2026 |
| 6.98% APR | Sallie Mae | San Antonio, TX | Private | Variable | Good (670-739) | No | Jan 2026 |
| 6.43% APR | Federal Direct Loan | CO | Federal — undergraduate | Fixed | Good (670-739) | No | Jan 2026 |
| 8.02% APR | Federal Direct Loan | Houston, TX | Federal — graduate | Fixed | Excellent (740+) | No | Jan 2026 |
| 8.08% APR | Federal Direct Loan | MI | Federal — graduate | Fixed | Excellent (740+) | No | Jan 2026 |
| 7.81% APR | Federal Direct Loan | NJ | Federal — graduate | Fixed | Excellent (740+) | No | Jan 2026 |
| 6.49% APR | Federal Direct Loan | CO | Federal — undergraduate | Fixed | Good (670-739) | No | Jan 2026 |