Yale Student Loans

APR:

Loans Disbursed Between July 1, 2026 - June 30, 2027: 9.32%

Loans Disbursed Between July 1, 2025 - June 30, 2026: 9.19%

Loans Disbursed Before July 1, 2025: 7.5%

Initial grace period: 6 months

Post-deferment grace period: None

Repayment period: 120 months

Accrued interest: 

Interest accrues from date of disbursement until repayment period begins. Interest accrues during a deferment or forbearance.

Deferment types for this loan: 

Full-time student: No limit

Half-time student: No limit

Graduate fellowship: No limit

Rehabilitation/professional training: No limit

Unemployment: 3-yr max

If you do not qualify for a deferment, you can apply for forbearance: 3-yr max

Cancellation types for this loan: 

Permanent total disability

Death