Federal Loan Interest Rates

UCLA Student Loan Services and Collections - Short Term Loan

The following are the federal loan interest rates as of 07/01/17 thru 06/30/18:


Direct Loan (DL)
First Disbursement Date Occurring: On or After But Before Effective Periods Rate Cap (Unless fixed)
 Subsidized  Unsubsidized
   07/01/2017  07/01/2018 In-school, grace and deferment periods for undergraduates 0%
4.45%
(fixed)
 
-
      All other periods for undergraduates 4.45%
(fixed)
4.45%
(fixed) 
 -
      In-school, grace and deferment periods for graduate level
 N/A* 6.00%
(fixed)
 -
      All other periods for graduate level  N/A* 6.00%
(fixed)
-
   07/01/2016  07/01/2017 In-school, grace and deferment periods for undergraduates 0%
3.76%
(fixed)
 
-
      All other periods for undergraduates 3.76%
(fixed)
3.76%
(fixed) 
 -
      In-school, grace and deferment periods for graduate level
 N/A* 5.31%
(fixed)
 -
      All other periods for graduate level  N/A* 5.31%
(fixed)
-
  07/01/2015 07/01/2016 In-school, grace and deferment periods for undergraduates 0% 4.29%
(fixed)
-



All other periods for undergraduates 4.29%
(fixed)
4.29%
(fixed)
-



In-school, grace and deferment periods for graduate level N/A* 5.84%
(fixed)
-



All other periods for graduate level N/A* 5.84%
(fixed)
-
  07/01/2014 07/01/2015 In-school, grace and deferment periods for undergraduates 0% 4.66%
(fixed)
-



All other periods for undergraduates 4.66%
(fixed)
4.66%
(fixed)
-



In-school, grace and deferment periods for graduate level N/A* 6.21%
(fixed)
-



All other periods for graduate level N/A* 6.21%
(fixed)
-

07/01/2013 07/01/2014 In-school, grace** and deferment periods for undergraduates 0% 3.86%
(fixed)
-



All other periods for undergraduates 3.86%
(fixed)
3.86%
(fixed)
-



In-school, grace and deferment periods for graduate level N/A* 5.41%
(fixed)
-



All other periods for graduate level N/A* 5.41%
(fixed)
-

07/01/2011 07/01/2013 In-school, grace** and deferment periods for undergraduates 0% 6.8%
(fixed)
-



All other periods for undergraduates 3.4%
(fixed)
6.8%
(fixed)
-



In-school, grace and deferment periods for graduate level 0% 6.8%
(fixed)
-



All other periods for graduate level 6.8%
(fixed)
6.8%
(fixed)
-

07/01/2010 07/01/2011 In-school, grace and deferment periods for undergraduates 0% 6.8%
(fixed)
-



All other periods for undergraduates 4.5%
(fixed)
6.8%
(fixed)
-



In-school, grace and deferment periods for graduate level 0% 6.8%
(fixed)
-



All other periods for graduate level 6.8%
(fixed)
6.8%
(fixed)
-

07/01/2009 07/01/2010 In-school, grace and deferment periods for undergraduates 0% 6.8%
(fixed)
-



All other periods for undergraduates 5.6%
(fixed)
6.8%
(fixed)
-



In-school, grace and deferment periods for graduate level 0% 6.8%
(fixed)
-



All other periods for graduate level 6.8%
(fixed)
6.8%
(fixed)
-

*Subsidized Direct Loan not available to Graduate/Professional students.

**If you received a Direct Subsidized Loan that was first disbursed between July 1, 2012, and July 1, 2014, you are responsible for paying the interest accruing during your grace period. If you do not pay the interest that accrues during grace, it will be added to your principal balance.



PLUS Direct Loan (DL)
First Disbursement Date Occurring: On or After But Before Effective Periods Rate Cap (Unless fixed)
  07/01/2017 07/01/2018 Life of Loan
7.00%
(fixed)
 -
  07/01/2016 07/01/2017 Life of Loan
6.31%
(fixed)
 -

07/01/2015 07/01/2016 Life of Loan 6.84%
(fixed)
-

07/01/2014 07/01/2015 Life of Loan 7.21%
(fixed)
-

07/01/2013 07/01/2014 Life of Loan 6.41%
(fixed)
-

07/01/2006 07/01/2014 Life of Loan 7.9%
(fixed)
-
PLUS Direct Loans (DL) first disbursed prior to July 1, 2006, have a variable interest rate that is effective from the 1st of July of one year thru the 30th of June of the following year. The interest rate for such a loan is not on the table above. For information about such variable-rate loans you must contact your loan servicer.


Perkins Loan (FFEL)
First Disbursement Date Occurring: On or After But Before Effective Periods Rate Cap (Unless fixed)

N/A N/A During in-school, grace and deferment periods 0.00% -



All other periods 5.00%
(fixed)
-



Stafford Loan (FFEL)
(Displayed for reference only. As of the 2010-11 academic year, UCLA began participation in the Federal Direct Loan Program.)
First Disbursement Date Occurring: On or After But Before Effective Periods Rate Cap (Unless fixed)
 Subsidized  Unsubsidized

07/01/2009 07/01/2010 During in-school, grace and deferment periods 0% 6.80%
(fixed)
-



All other periods (*Subsidized Stafford interest rate for Graduate borrowers is 6.80%) 5.60%*
(fixed)
6.80%
(fixed)
-

07/01/2008 07/01/2009 During in-school, grace and deferment periods 0% 6.80%
(fixed)
-



All other periods (*Subsidized Stafford interest rate for Graduate borrowers is 6.80%) 6.00%*
(fixed)
6.80%
(fixed)
-

07/01/2006 07/01/2008 During in-school, grace and deferment periods 0% 6.80%
(fixed)
-



All other periods 6.80%
(fixed)
6.80%
(fixed)
-
Stafford Loans (FFEL) first disbursed prior to July 1, 2006, have a variable interest rate that is effective from the 1st of July of one year thru the 30th of June of the following year. The interest rate for such a loan is not on the table above. For information about such variable-rate loans you must contact your loan servicer.


PLUS Loan (FFEL)
(Displayed for reference only. As of the 2010-11 academic year, UCLA began participation in the Federal Direct Loan Program.)
First Disbursement Date Occurring: On or After But Before Effective Periods Rate Cap (Unless fixed)

07/01/2006 07/01/2010 Life of Loan 8.5%
(fixed)
-
PLUS Loans (FFEL) first disbursed prior to July 1, 2006, have a variable interest rate that is effective from the 1st of July of one year thru the 30th of June of the following year. The interest rate for such a loan is not on the table above. For information about such variable-rate loans you must contact your loan servicer.



For Further Details...


Loan Disbursement
Introduction to Loan Disbursement

UCLA Disbursement Calendar
Current academic year ‘financial aid to student borrowers’ release dates for UCLA, including UCLA Summer Sessions, as well as UCLA Extension

Federal Loan Interest Rates
Existing rates on Direct, Stafford, Perkins and PLUS Loan Programs