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Oklahoma State University

Loan Calculators

Check your interest rate before using the loan calculators:

Loans Disbursed after July 1, 2015

  • Federal Direct Subsidized loans for undergraduate students have a fixed interest rate of 4.29%
  • Federal Direct Unsubsidized loans for undergraduate students have a fixed interest rate of 4.29%
  • Federal Direct Unsubsidized loans for graduate students have a fixed interest rate of 5.84%
  • Federal Direct PLUS (Parent or Graduate) loans have a fixed interest rate of 6.84%

Loans Disbursed after July 1, 2014

  • Federal Direct Subsidized loans for undergraduate students have a fixed interest rate of 4.66%
  • Federal Direct Unsubsidized loans for undergraduate students have a fixed interest rate of 4.66%
  • Federal Direct Unsubsidized loans for graduate students have a fixed interest rate of 6.21%
  • Federal Direct PLUS (Parent or Graduate) loans have a fixed interest rate of 7.21%

Loans Disbursed after July 1, 2013

  • Federal Direct Subsidized loans for undergraduate students have a fixed interest rate of 3.86%
  • Federal Direct Unsubsidized loans for undergraduate students have a fixed interest rate of 3.86%
  • Federal Direct Unsubsidized loans for graduate students have a fixed interest rate of 5.41%
  • Federal Direct PLUS (Parent or Graduate) loans have a fixed interest rate of 6.41%

Loans Disbursed after July 1, 2012

  • Federal Direct Subsidized loans for undergraduate students have a fixed interest rate of 3.4%
  • Federal Direct Unsubsidized loans for undergraduate students have a fixed interest rate of 6.8%
  • Federal Direct Unsubsidized loans for graduate students have a fixed interest rate of 6.8%
  • Federal Direct PLUS (Parent or Graduate) loans have a fixed interest rate of 7.9%

 Loans Disbursed after July 1, 2011

  • Federal Direct Subsidized loans for undergraduate students have a fixed interest rate of 3.4%
  • Federal Direct Unsubsidized loans for undergraduate students have a fixed interest rate of 6.8%
  • Federal Direct Subsidized/Unsubsidized loans for graduate students have a fixed interest rate of 6.8%
  • Federal Direct PLUS (Parent or Graduate) loans have a fixed interest rate of 7.9%

Loans Disbursed after July 1, 2010

  • Federal Direct Subsidized loans for undergraduate students have a fixed interest rate of 4.5%
  • Federal Direct Unsubsidized loans for undergraduate students have a fixed interest rate of 6.8%
  • Federal Direct Subsidized/Unsubsidized loans for graduate students have a fixed interest rate of 6.8%
  • Federal Direct PLUS (Parent or Graduate) loans have a fixed interest rate of 7.9%

Loans Disbursed after July 1, 2009

  • Federal Direct Subsidized loans for undergraduate students have a fixed interest rate of 5.6%
  • Federal Direct Unsubsidized loans for undergraduate students have a fixed interest rate of 6.8%
  • Federal Direct Subsidized/Unsubsidized loans for graduate students have a fixed interest rate of 6.8%
  • Federal Direct PLUS (Parent or Grad) loans have a fixed interest rate of 7.9%

Loans Disbursed after July 1, 2008

  • Federal Direct Subsidized loans for undergraduate students have a fixed interest rate of 6%
  • Federal Direct Unsubsidized loans for undergraduate students have a fixed interest rate of 6.8%
  • Federal Direct Subsidized/Unsubsidized loans for graduate students have a fixed interest rate of 6.8%
  • Federal Direct PLUS (Parent or Grad) loans have a fixed interest rate of 7.9%

Loans Disbursed between July 1, 2006 and June 30, 2008

  • Federal Direct Subsidized/Unsubsidized loans have a fixed interest rate of 6.8%
  • Federal Direct PLUS (Parent or Grad) loans have a fixed interest rate of 7.9%

Loans Disbursed prior to July 1, 2006 or any Consolidated Loans

  • Students and parents should verify the interest rate with the lender and can access information about all federal loans using the National Student Loan Data System at www.nslds.ed.gov

Federal Perkins Loans and Health Profession Loans have a fixed interest rate of 5%


Loan Calculators:

For information about our loan programs, please visit our loans section.

You can view information about the federal loans you have borrowed on the National Student Loan Data System (NSLDS). The site displays information on your federal loan amounts, outstanding balances, loan status and loan servicer (Direct Loan Servicing Center (ACS), FedLoan Servicing (PHEAA), Great Lakes Educational Loan Services, Inc., Nelnet, and Sallie Mae).