Wells Fargo GraduateSM Student Loan You'll have up to 15 years to repay the loan. Competitive Annual Percentage Rate (APR) Variable interest rates range from 3.22% APR (with discount) to 8.74% APR (without discount). Fixed interest rates range from 6.36% APR (with discount) to 10.61% APR (without discount). The lifetime limit for this loan combined with all other education-related debt is $180,000 for law and business, and $120,000 for other fields of study.