Rates and offers current as . Annual Percentage Rate (APR) is the cost of credit calculating the interest rate, loan amount, repayment term and the timing of payments. Fixed Rates range from % APR to % APR and Variable Rate range from % APR to %. Both Fixed and Variable Rates will vary based on application terms, level of degree and presence of a co-signer. These rates are subject to additional terms and conditions and rates are subject to change at any time without notice. For Variable Rate student loans, the rate will never exceed % for 5 year and 8 year loans and % for 12 and 15 years loans (the maximum allowable for this loan). Minimum variable rate will be %.