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The 0.01% interest rate offered with this savings account is about 0.12% lower than the market average interest rate. A high-yield savings account will provide better returns on your deposits.
Rates and Fees. For 2016-17, the interest rate for undergraduate subsidized and unsubsidized direct loans is 3.76%. For graduate students, the unsubsidized direct loan interest rate is 5.31%. A 1.069% origination fee is charged for each Direct Stafford Loan before it is disbursed to a student's account.