There's a three month trial period loans for 10000 It's easy to see why federal student loans are projected to make a lot of money using this calculation: subtracting the low current interest rate for Treasury bills from fixed student loan interest rates of 6.8 to 7.9 percent – assuming the 3.4 percent rate on subsidized loans does double July 1 – results in a net gain for the government. In fact, under this accounting method, the budget office calculates that the government will net about $184 billion from 2013 to 2023.