Federal Loan Origination Fees and Interest Rates
As a new or continuing student at the University of San Francisco, we are committed to ensuring that you are well informed about all education loan opportunities that are available to you. As a student, it is important that you borrow smart and understand what your responsibilities are. Undergraduate FAFSA eligible students may qualify for the Federal Direct Subsidized or Federal Direct Unsubsidized Loans. Graduate FAFSA eligible students may qualify for Federal Direct Unsubsidized loans. Parents of dependent undergraduate students and graduate/professional students may apply for a credit based Federal Direct PLUS loan.
As directed by California Assembly Bill 721, we are required to provide information concerning our undergraduate student loan debt to our students and their families.
Federal Direct Loan Interest
| Undergraduate | 2024 - 2025 Aid Year (7/1/2024 – 6/30/2025) | 2025 - 2026 Aid Year (7/1/2025– 6/30/2026) | 2026 - 2027 Aid Year (7/1/2026– 6/30/2027) |
|---|---|---|---|
| Direct Subsidized Loan | 6.53% | 6.39% | 6.52% |
| Direct Unsubsidized Loan | 6.53% | 6.39% | 6.52% |
| Direct Parent PLUS Loan | 9.08% | 8.94% | 9.07% |
| Graduate or Professional | 2024 - 2025 Aid Year (7/1/2024– 6/30/2025) | 2025 - 2026 Aid Year (7/1/2025– 6/30/2026) | 2026 - 2027 Aid Year (7/1/2026– 6/30/2027) |
|---|---|---|---|
| Direct Unsubsidized Loan | 8.08% | 7.94% | 8.07% |
| Direct Graduate PLUS Loan | 9.08% | 8.94% | 9.07% |
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Federal Direct Loan Fees
| Federal Loan Type | First Disbursement Date: (10/1/2024 – 9/30/2025) | First Disbursement Date: (10/1/2025 – 9/30/2026) | First Disbursement Date: (10/1/2026 – 9/30/2027) |
|---|---|---|---|
| Direct Subsidized Loan | 1.057% | 1.057% | 1.057% |
| Direct Unsubsidized Loan | 1.057% | 1.057% | 1.057% |
| Direct Parent PLUS Loan | 4.228% | 4.228% | 4.228% |
| Direct Graduate PLUS Loan | 4.228% | 4.228% | 4.228% |
Loan fees are subtracted from your loan prior to the funds being paid to the university. This means the lesser amount is what is actually disbursed to your university bill.
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