How Student Loans Work

Student Loan Rates in Jul. 2026

Interest rates for federal direct student loans depend on the type of loan and update every year. The federal government bases rates on the 10-year Treasury note rate. If the rate for 10-year Treasury notes goes up, so will student loan interest rates, up to a cap.

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Student Loan Rates in June 2026: What Borrowers Need to Know

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July 1 brings big student loan changes. Here's what you need to know

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How do private student loans work?

Private student loans are always a touchy subject. There’s a camp of people that think private student loans are terrible tools and that nobody should ever take them out to pay for college. On ...

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As federal aid for college shrinks, here’s what to look for in a private student loan

With new federal loan caps taking effect on July 1, more families will need to rely on private lenders to pay for college. Here's how to make the best choice.

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Be ready for major changes to how student loans work

On July 1, changes will limit how much Americans can borrow and limit their repayment options.

Am I a 'professional' student? How your degree type determines your borrowing limit.

New student loan rules narrow who counts as a professional student — and which borrowers qualify for higher federal loan ...

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