Home RatesStudent Loans

No weekly change

Student Loan Rate Trends

Track private student loan and refinance APRs and see when refinancing could lower your rate or monthly payment.

Best private/refi APR

4.44% APR

Benchmark average

10.58% APR

User opportunity

25 bps can matter on large balances

Historical archive

Student Loans over time

No weekly change

3 mo

4.40%

30 d

4.51%

Today

4.40%

What changed

Rates are holding steady, which makes comparison discipline more important than timing.

Why it matters

Can I lower my student loan rate?

What to do next

Compare a refinance rate against your current student loans.

How we track this rateShow

SourceSwitchWize Rate Scout (Bankrate), updated daily

MethodBest private and refinance student loan APR sourced from SwitchWize Rate Scout daily scrape. Lowest advertised fixed rate typically requires excellent credit and often a co-signer. Refinancing federal loans into a private loan gives up federal protections such as income-driven repayment and forgiveness.

Verified existing coverage

Use what SwitchWize already has

6 links

GuideBest Private Student LoansCompare the best private student loans of 2026 by APR range, cosigner rules, repayment options, and borrower protections. Use federal aid first, then fill the gap.GuideBack to School Financial Planning: Your Complete GuideA complete back to school financial planning playbook for parents and students covering financial aid, college savings, budgeting, tax credits, and banking.GuideBest Banks for Students in: No Fees, No MinimumsThe best student bank accounts charge no monthly fees, require no minimum balance, and offer real tools for learning to manage money. Here's what to look for and which banks deliver.GuideHow to Get a Credit Card with No Credit HistoryNo credit history does not mean no options. Here are the four paths to getting your first credit card: secured cards, student cards, credit-builder accounts, and becoming an authorized user, and how each one works.CalculatorStudent Loan Payoff CalculatorSee how extra payments can eliminate student debt years early.ComparisonProduct comparisonExisting SwitchWize comparison page connected to this rate.

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