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Nslds. ed.gov. You will be charged an origination fee when borrowing a Federal Direct Loan. October 1 2014-September 30 2015 1. All Federal Direct Loans will be originated with the Department of Education. Interest rate on Subsidized and Unsubsidized loans is 4. 29 beginning July 1 2015. Subsidized loans begin accruing interest 6 months after graduation or 6 months after student drops below halftime. Unsubsidized loans begin accruing interest when the loan is fully disbursed. If you choose to...
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