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Expect to see a slight decrease in interest rates for the 2025-2026 academic year, giving federal student loan borrowers a small break on their education financing costs.

Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. Federal student loan interest rates will tick down a bit for the 2025-2026 academic year, offering a small but welcome break from the higher rates borrowers have faced recently. Beginning July 1, 2025…