For loans disbursed between July 1, 2025, and June 30, 2026, undergraduate rates will be set at 6.39 percent, a decline from last year's 6.53 percent.

The rates on private student loans largely depend on your credit, repayment term and other factors. The best rates are usually reserved for borrowers with excellent credit. Before

Hundreds of thousands of federal student loan borrowers received a notice this week warning them that interest is accruing on their balance. But that may be false.