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Graduate Loan Chart

Loans with a first disbursement on or after 7/1/2026 and before 7/1/2027

*Interest rates for loans with a first disbursement date on or after 7/1/2027 have not yet been published.

Federal Unsubsidized Direct Loan

For the most up to date information please visit .

  • Interest Rate: 8.07% fixed during in-school, grace, and deferment periods
  • Origination/ Guarantee Fees: 1.057% (e.g. if $1,000 is borrowed, $990 will be applied to the student’s Augsburg account)
  • Annual Loan Limits: $20,500
  • Cumulative Loan Limits: $138,500 (of which, no more than $65,500 can be subsidized)
  • Grace Period: 6 Months
  • Repayment Terms: Standard repayment is 10 years following grace period, though other repayment options may be available.
  • ¶Ù±ð´Ú±ð°ù³¾±ð²Ô³ÙÌý°¿±è³Ù¾±´Ç²Ô²õ: Continued education, disability, and unemployment. Contact your lender for other options.

Federal Graduate PLUS Loan

*Please reference to the Important Federal Loan Changes tab for eligibility requirements.

For the most up to date information please visit .

  • Interest Rate: 9.07% fixed during in-school, grace, and deferment periods.
  • Origination/ Guarantee Fees: 4.228% (e.g. if $1,000 is borrowed, $958 will be applied to the student’s Augsburg account)
  • Annual Loan Limits: Cost of education less other aid received.
  • Cumulative Loan Limits: No Cap
  • Grace Period: No grace period, but parents can request the loan to enter forbearance through the lender.
  • Repayment Terms: Repayment begins within 60 days after final disbursement of loan funds. Up to 10 Years.
  • ¶Ù±ð´Ú±ð°ù³¾±ð²Ô³ÙÌý°¿±è³Ù¾±´Ç²Ô²õ: Contact lender for deferment or forbearance options.

Private/Alternative Loans

  • Interest Rate: Variable & Fixed, based on credit and income.
  • Origination/ Guarantee Fees: Varies by lender.
  • Annual Loan Limits: Amount up to Cost of education after all other aid.
  • Cumulative Loan Limits: Varies by lender.
  • Grace Period: Varies by lender.
  • Repayment Terms: Varies by lender.
  • ¶Ù±ð´Ú±ð°ù³¾±ð²Ô³ÙÌý°¿±è³Ù¾±´Ç²Ô²õ: Varies by lender.