Average Student Loan Interest Rate 2025. Federal student loans have fixed interest rates, meaning the amount you are charged on your loan does not change throughout the course of the loan. From 1 september 2024 until 31 august 2025, the interest rate for plan 3 loans will be 7.3%.

Fsa uses servicers (private companies) like mohela to manage billing, questions, and payments, and to help you enroll. This rate is subject to any caps to reflect the prevailing market rate.