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Federal Family Education Loan Program

The Federal Family Education Loan Program has ended. Please proceed to the Federal Direct Loan Program.

About Federal Loans

Federal programs such as Stafford Loans for students and PLUS Loans for parents and graduate and professional degree students have fixed interest rates ranging from 5 to 8.5 percent. Private or alternative loans typically have interest rates that rise and fall with the economy. Private loans rely on credit reports; federal student loans don't. Subsidized Stafford loans charge a fixed 6.8 percent rate starting six months after you leave school. If you don't qualify for a subsidized Stafford Loan, your next option is an unsubsidized Stafford Loan, which charges interest immediately but gives you the option of not paying interest until six months after you leave school. Parents and professional and graduate degree students can borrow from the PLUS program at rates capped at 8.5 percent.

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