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Loan Origination Fee Calculator

The Department of Education withholds origination (processing) fees from all federal Direct Loans prior to disbursement. Use this calculator to determine the net amount of your loans after the origination fees have been withheld.  

Direct Student Loans

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Direct Student Loan Origination Fees

  • Origination Fee before 10/01/19 - 1.062%
  • Origination Fee after 10/01/19 - 1.059%

Direct PLUS Loans

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Direct PLUS Loan Origination Fees

  • Origination Fee before 10/01/19 - 4.248%
  • Origination Fee after 10/01/19 - 4.236%