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Student Loan Rates Drop for Auto-Pay Borrowers

Student Loan Rates Drop for Auto-Pay Borrowers

Published 2 days ago
Description

Federal student loan interest rates are dropping by one percent for eligible borrowers starting July 1st — but only if you’re on Direct Loans taken out after 2012 and enrolled in auto-pay. If you’re not already auto-paying, you’ll need to sign up — and possibly consolidate your loans — to qualify. This move targets nearly 9 million in default and aims to boost auto-pay adoption from just 40%. The reduction is temporary, ending June 30, 2028, and combined with existing auto-pay discounts, could save borrowers hundreds annually. With student debt nearing $1.7 trillion, the Department hopes this incentive will help reduce delinquencies and keep borrowers eligible for new repayment plans.

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