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Loan Interest Rates

photo of the B plaza in spring

The types of federal loans available at Boise State are Subsidized Direct, Unsubsidized Direct, Graduate Student PLUS and Parent PLUS.

This chart shows interest rates for the 2018-2019 academic year.

Loan TypeInterest ratesInterest rates while in schoolGrace period after school
Subsidized Direct
Loan
Fixed rate at 5.045% for loans first disbursed after
July 1, 2018
Government pays
interest when
student is
enrolled in at
least 6 credits.
Six months
Unsubsidized Direct
Loan
Fixed rate at 5.045% for undergraduate borrowers or
Fixed rate at 6.595% for graduate student borrowers
for loans first disbursed after July 1, 2018
Student pays
all interest.
Six months
Graduate Student
PLUS Loan
Fixed rate at 7.595% for loans first disbursed after
July 1, 2018
Student pays
all interest.
Payments may be deferred
when enrolled in at least 5
graduate credits.
First payment due six
months after dropping below
5 graduate credits.
Parent PLUS Loan Fixed rate at 7.595% for loans first disbursed after
July 1, 2018
Parent borrower
pays all interest.
Payments may be deferred
when student is enrolled in at
least 6 credits.
First payment due six
months after student drops
below 6 credits.

Loan Origination Fees

All loans have an origination fee that is automatically taken out by the loan servicer.
For Subsidized and Unsubsidized loans:
1.066% fee if loan disburses on or after 10/1/17 and before 10/1/18
For PLUS Loans
4.264% fee if loan disburses on or after 10/1/17 and before 10/1/18