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Federal Register / Vol. 86, No. 152 / Wednesday, August 11, 2021 / Notices Assistance Loans HEAL Program is equal to 1 The bond equivalent rate of the 91day Treasury bill auctioned at the final auction held before June 1 of each year, plus a statutory add-on percentage; or 2 A statutorily established maximum interest rate.
If a Consolidation Loan whether a variable-rate loan or a fixed-rate loan repaid loans made under the HEAL
Program, the interest rate on the portion of the Consolidation Loan that repaid HEAL loans is a variable rate that is equal to the average of the bond equivalent rates of the 91-day Treasury bills auctioned for the quarter ending June 30, plus a statutory add-on percentage. For the portion of a Consolidation Loan that repaid HEAL
loans, there is no maximum interest rate.
The average of the bond equivalent rates of the 91-day Treasury bills
auctioned for the quarter ending on June 30, 2021, is 0.02 percent.
The statutory add-on percentages and maximum interest rates vary depending on loan type and when the loan was first disbursed. In addition, the add-on percentage for certain Stafford Loans is different depending on whether the loan is in an in-school, grace, or deferment status, or in any other status. If the interest rate calculated in accordance with the applicable formula exceeds the statutory maximum interest rate, the statutory maximum rate applies.
Charts 1 through 4 show the interest rate formulas that are used to determine the interest rates for all variable-rate FFEL Program loans and the interest rates that are in effect during the 12month period from July 1, 2021, through June 30, 2022. Unless otherwise indicated, the cohorts shown in each
chart include all borrowers, regardless of prior borrowing.
Chart 1 shows the interest rates for loans with rates based on the 91-day Treasury bill, with the exception of converted variable-rate Federal Stafford Loans and certain Federal Consolidation Loans.
Chart 2 shows the interest rates for loans with rates based on the weekly average of the one-year constant maturity Treasury yield.
Chart 3 shows the interest rates for converted variable-rate Federal Stafford Loans. These are loans that originally had varying fixed interest rates.
Finally, Chart 4 shows the interest rates for variable-rate Federal Consolidation Loans, and for the portion of any Federal Consolidation Loan that repaid loans made under the HEAL
Program.

CHART 1SUBSIDIZED FEDERAL STAFFORD LOANS, UNSUBSIDIZED FEDERAL STAFFORD LOANS, AND FEDERAL PLUS
LOANS

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Interest rate based on 91-day Treasury bill Loan type
Cohort
Subsidized Stafford.
Unsubsidized Stafford.

First disbursed on/after 07/
01/98 and before 07/01/06.

0.02

PLUS

First disbursed on/after 07/
01/98 and before 07/01/06.

0.02

Subsidized Stafford.
Unsubsidized Stafford.

First disbursed on/after 07/
01/95 and before 07/01/98.

0.02

Subsidized Stafford.
Unsubsidized Stafford.

First disbursed on/after 07/
01/94 and before 07/01/95, for a period of enrollment that included or began on or after 07/
01/94.

0.02

3.10

8.25

3.12

Subsidized Stafford.
Unsubsidized Stafford.

First disbursed on/after 10/
01/92 and before 07/01/94;
and.
First disbursed on/after 07/
01/94, for a period of enrollment ending before 07/
01/94 new borrowers.

0.02

3.10

9.00

3.12

VerDate Sep<11>2014

23:05 Aug 10, 2021

91-day T-bill rate 05/24/21
%

Jkt 253001

PO 00000

Add-on %

1.70 in-school, grace, deferment.

Maximum rate %

2.30 any other status.

3.10

2.50 in-school, grace, deferment.

Frm 00014

Fmt 4703

1.72 in-school, grace, deferment.

9.00

3.10 any other status.

Sfmt 4703

8.25

Interest rate 07/01/21 through 06/
30/22 %

8.25

E:FRFM11AUN1.SGM

2.32 any other status.

3.12

2.52 in-school, grace, deferment.

11AUN1

3.12 any other status