Federal student loan rates soften for 2025-26, making borrowing slightly more affordable

UPDATED: June 2, 2025 at 10:42 AM PDT

This rate change becomes effective July 1 for federal loans for the 2025-26 academic year.

Originally Published: June 2, 2025 at 10:26 AM PDT

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Lower interest rates can make your college debt feel more manageable. Even so, you should do everything you can to minimize borrowing in the first place.