Student loan interest rates for 2025 remain painfully high, adding pressure for borrowers already facing rising college costs and stalled forgiveness programs.

Student loan interest rates can make a significant difference in how much you make in loan payments over time. Where federal student loans always come with fixed interest rates, private student loan rates can be fixed or variable.

Between collections resuming, courts challenging student loan programs and layoffs in the Education Department, borrowers might be confused about the status their student loans.