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2017 - 2018 William D. Ford Loan Program
Interest Rates


STAFFORD LOANS 91-Day T-Bill = 0.98%
Qualifying Conditions Factor Cap 17-18 Rate 16-17 Rate
Undergraduate Subsidized Stafford Loans with first disbursement date between 7/1/2017 and 6/30/2018 (Any Status) - Fixed N/A 4.45% 4.45% N/A
Undergraduate Unsubsidized Stafford Loans with first disbursement date between 7/1/2017 and 6/30/2018 (Any Status) - Fixed N/A 4.45% 4.45% N/A
Graduate/Professional student Unsubsidized Stafford Loans with first disbursement date between 7/1/2017 and 6/30/2018 (Any Status) - Fixed N/A 6.00% 6.00% N/A
Undergraduate Subsidized Stafford Loans with first disbursement date between 7/1/2016 and 6/30/2017 (Any Status) - Fixed N/A 3.76% 3.76% 3.76%
Undergraduate Unsubsidized Stafford Loans with first disbursement date between 7/1/2016 and 6/30/2017 (Any Status) - Fixed N/A 3.76% 3.76% 3.76%
Graduate/Professional student Unsubsidized Stafford Loans with first disbursement date between 7/1/2016 and 6/30/2017 (Any Status) - Fixed N/A 5.31% 5.31% 5.31%
Undergraduate Subsidized Stafford Loans with first disbursement date between 7/1/2015 and 6/30/2016 (Any Status) - Fixed N/A 4.29% 4.29% 4.29%
Undergraduate Unsubsidized Stafford Loans with first disbursement date between 7/1/2015 and 6/30/2016 (Any Status) - Fixed N/A 4.29% 4.29% 4.29%
Graduate/Professional student Unsubsidized Stafford Loans with first disbursement date between 7/1/2015 and 6/30/2016 (Any Status) - Fixed N/A 5.84% 5.84% 5.84%
Undergraduate Subsidized Stafford Loans with first disbursement date between 7/1/2014 and 6/30/2015 (Any Status) - Fixed N/A 4.66% 4.66% 4.66%
Undergraduate Unsubsidized Stafford Loans with first disbursement date between 7/1/2014 and 6/30/2015 (Any Status) - Fixed N/A 4.66% 4.66% 4.66%
Graduate/Professional student Unsubsidized Stafford Loans with first disbursement date between 7/1/2014 and 6/30/2015 (Any Status) - Fixed N/A 6.21% 6.21% 6.21%
Undergraduate Subsidized Stafford Loans with first disbursement date between 7/1/2013 and 6/30/2014 (Any Status) - Fixed N/A 3.86% 3.86% 3.86%
Undergraduate Unsubsidized Stafford Loans with first disbursement date between 7/1/2013 and 6/30/2014 (Any Status) - Fixed N/A 3.86% 3.86% 3.86%
Graduate/Professional student Unsubsidized Stafford Loans with first disbursement date between 7/1/2013 and 6/30/2014 (Any Status) - Fixed N/A 5.41% 5.41% 5.41%
Undergraduate Subsidized Stafford Loans with first disbursement date between 7/1/2012 and 6/30/2013 (Any Status) - Fixed N/A 3.40% 3.40% 3.40%
Undergraduate Subsidized Stafford Loans with first disbursement date between 7/1/2011 and 6/30/2012 (Any Status) - Fixed N/A 3.40% 3.40% 3.40%
Undergraduate Subsidized Stafford Loans with first disbursement date between 7/1/2010 and 6/30/2011 (Any Status) - Fixed N/A 4.50% 4.50% 4.50%
Undergraduate Subsidized Stafford Loans with first disbursement date between 7/1/2009 and 6/30/2010 (Any Status) - Fixed N/A 5.60% 5.60% 5.60%
Undergraduate Subsidized Stafford Loans with first disbursement date between 7/1/2008 and 6/30/2009 (Any Status) - Fixed N/A 6.00% 6.00% 6.00%
All Stafford Loans with first disbursement date on/after 7/1/2006, excepting Undergraduate Subsidized with first disbursement date between 7/1/2008 and 6/30/2012 (Any Status) - Fixed N/A 6.80% 6.80% 6.80%
Loans with first disbursement date between 7/1/1998 and 6/30/2006 (Repayment or Forbearance) - Variable 2.30% 8.25% 3.28% 2.65%
Loans with first disbursement date between 7/1/1998 and 6/30/2006 (In-School, Grace or Deferment) - Variable 1.70% 8.25% 2.68% 2.05%
Loans with first disbursement date between 7/1/1995 and 6/30/1998 (Repayment or Forbearance) - Variable 3.10% 8.25% 4.08% 3.45%
Loans with first disbursement date between 7/1/1995 and 6/30/1998 (In-School, Grace or Deferment) - Variable 2.50% 8.25% 3.48% 2.85%
Loans with first disbursement date between 7/1/1994 and 6/30/1995 (Any Status) - Variable 3.10% 8.25% 4.08% 3.45%
PARENT AND STUDENT PLUS LOANS 91-Day T-Bill = 0.98% and 1-Year Constant Maturity Treasury Yield = 1.22 %
Qualifying Conditions Factor Cap 17-18 Rate 16-17 Rate
Loans first disbursed between 7/1/2017 and 7/1/2018 - Fixed N/A 7.00% 7.00% N/A
Loans first disbursed between 7/1/2016 and 7/1/2017 - Fixed N/A 6.31% 6.31% 6.31%
Loans first disbursed between 7/1/2015 and 7/1/2016 - Fixed N/A 6.84% 6.84% 6.84%
Loans first disbursed between 7/1/2014 and 7/1/2015 - Fixed N/A 7.21% 7.21% 7.21%
Loans first disbursed between 7/1/2013 and 7/1/2014 - Fixed N/A 6.41% 6.41% 6.41%
Loans with first disbursement date between 7/1/2006 and 6/30/2013 (Any Status) - Fixed N/A 7.90% 7.90% 7.90%
Loans with a first disbursement date between 7/1/1998 and 6/30/2006 (Any Status) - Variable 3.10% 9.00% 4.08% 3.45%
Loans with a first disbursement date before 7/1/1998 (Any Status) - Variable 3.10% 9.00% 4.32% 3.65%
SUBSIDIZED AND UNSUBSIDIZED CONSOLIDATION LOANS 91-Day T-Bill = 0.98%
Qualifying Conditions Factor Cap 17-18 Rate 16-17 Rate
Loans for which the application was received on or after 2/1/1999 (Any Status) - Fixed The lesser of 8.25 percent or the weighted average of the loans consolidated, rounded to the next higher 1/8 of one percent
Loans for which the application was received between 10/01/1998 and 1/31/1999 (Any Status) - Variable 2.30% 8.25% 3.28% 2.65%
Loans with first disbursement date between 7/1/1998 and 9/30/1998 and loans with first disbursement date on or after 10/1/1998 for which the application was received before 10/1/1998 (Repayment or Forbearance Status) - Variable 2.30% 8.25% 3.28% 2.65%
Loans with first disbursement date between 7/1/1998 and 9/30/1998 and loans with first disbursement date on or after 10/1/1998 for which the application was received before 10/1/1998 (In-School, Grace, or Deferment Status) - Variable 1.70% 8.25% 2.68% 2.05%
Loans with first disbursement date between 7/1/1995 and 6/30/1998 (Repayment or Forbearance Status) - Variable 3.10% 8.25% 4.08% 3.45%
Loans with first disbursement date between 7/1/1995 and 6/30/1998 (In School, Grace, or Deferment) - Variable 2.50% 8.25% 3.48% 2.85%
Loans with first disbursement date between 7/1/1994 and 6/30/1995 (Any Status) - Variable 3.10% 8.25% 4.08% 3.45%
PLUS CONSOLIDATION LOANS 91-Day T-Bill = 0.98%
Qualifying Conditions Factor Cap 17-18 Rate 16-17 Rate
Loans for which the application was received on or after 2/1/1999 (Any Status) - Fixed The lesser of 8.25 percent or the weighted average of the loans consolidated, rounded to the next higher 1/8 of one percent
Loans for which the application was received between 10/01/1998 and 1/31/1999 (Any Status) - Variable 2.30% 8.25% 3.28% 2.65%
Loans with first disbursement date between 7/1/1998 and 9/30/1998 and loans with first disbursement date on or after 10/1/1998 for which the application was received before 10/1/1998 (Any Status) - Variable 3.10% 9.00% 4.08% 3.45%