Federal Direct Loan Interest Rates
Interest rates for federal direct loans disbursed between July 1, 2024 and June 30, 2025:
- undergraduate subsidized direct loans fixed at 6.533 percent
- undergraduate unsubsidized direct loans fixed at 6.533 percent
- graduate students are not eligible for subsidized loans per federal regulations
- graduate unsubsidized direct loans fixed at 8.083 percent
- graduate PLUS direct loans 9.083 percent
- parent PLUS direct loans 9.083 percent.
The change from a variable- to a fixed-interest rate does not affect a borrower's variable-interest rate on loans made before July 1, 2006.
A 1.057 percent origination fee for all Stafford loans and a 4.228 percent origination fee for all PLUS loans is paid to the U.S. Department of Education for loans first disbursed between Oct. 1, 2020 and Sept. 30, 2025.
Learn More About the Federal Direct Loan Program
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Contact Us
Fax: 518-580-4863
Mailing Address:
Empire State University
Office of Financial Aid
111 West Ave.
Saratoga Springs, NY 12866
Questions? Contact 1Stop Student Services at 518-587-2100 or 800-847-3000.
FAFSA Info
Code: 010286
Name: Empire State College
TAP Codes
Undergraduate Associate: 0916
Undergraduate Bachelor's: 0913
Graduate: 5680 (for graduate students applying for Veteran Tuition Awards)
Announcements
Students applying for aid for the summer 2024 term, fall 2024 term or spring 2025 must submit a 2024-2025 FAFSA.
There are significant delays on the part of the U.S. Department of Education with FAFSA and the awarding of financial aid! View the most up-to-date information on the status at FAFSA Update.