Student Loans Interest Rates in November 2025

By Lyle Daly – Updated Dec 7, 2023 at 10:52 AM

Student loan interest rates determine how much you pay to borrow money for school. They vary based on several factors, including whether you're getting a loan for undergraduate or graduate studies, if you want a fixed or variable interest rate, and your credit score (or your co-signer's).

It's normally best to exhaust federal student loans first because they tend to have lower interest rates and better terms overall. In this guide, we'll cover the current federal and private student loan interest rates, important factors to consider when getting student loans, and how to reduce your interest rate.

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A piggy bank next to a jar full of money labeled Student Loan Debt. — Image source: Getty Images.

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Data source: Federal Student Aid.

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Data source: Lender websites.

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Unsubsidized Student Loans

Unsubsidized student loans are a form of student loan where the borrower is responsible for paying all interest that accumulates, even when in school or on a deferment.

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Subsidized Student Loans

A subsidized student loan is a type of federal student loan that is designed to help borrowers with demonstrated financial need pay for college.

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Refinancing

A financial strategy in which a borrower uses one debt to pay off and replace other debt.

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Public Service Loan Forgiveness

Public Student Loan Forgiveness (PSLF) allows public servants to have their student loans discharged after 10 years of payments.

Student Loans: Everything You Need to Know

There's a lot to unpack about student loans, so here's a guide to get you started.

15 Tips and Tricks to Save Money in College

Saving money in college can be difficult, but it's not impossible. Here are 15 ideas for saving money as a college student.

Unlock Tax Benefits: Discover Student Loan Payment Deductions

While full student loan payments are not tax deductible, in many cases, the interest portion is. Find out if you qualify.

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About the Author

Lyle Daly is a contributing Motley Fool stock market analyst covering information technology and cryptocurrency. Lyle has been a contributor at the financial services company since 2018. His work has been featured on USA Today, Yahoo Finance, MSN, Fox Business, and Nasdaq. Before joining The Motley Fool, he wrote for financial brands including Intuit.

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