Historical archive
Student Loans history
A rate archive for seeing where student loans has moved, what the current rate means, and which SwitchWize action fits next.
Historical archive
Student Loans over time
3 mo
4.40%
30 d
4.51%
Today
4.40%
Archive high
4.51%
Highest observed point in this archive window.
Archive low
4.40%
Lowest observed point in this archive window.
Archive average
4.45%
6 observations summarized for context.
Archive table
Current rate: 4.44% APR — 6 observations
12 mo4.51%Avg 10.58%
9 mo4.40%Avg 10.58%
6 mo4.51%Avg 10.58%
3 mo4.40%Avg 10.58%
30 d4.51%Avg 10.58%
Today4.40%Avg 10.58%
Verified existing coverage
Use what SwitchWize already has
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.GuideThe State of American Student Debt: ReportA data report on the $1.86 trillion Americans owe in student loans, the record number now in default, and the repayment system that just changed under 43 million borrowers. It also lays out a finding few expect: student debt no longer belongs to the young, it peaks in your 50s.GuideThe New Grad Money Playbook: Your First Paycheck (2026)Your first real paycheck arrives with no instructions, and the decisions you make in the first month compound for forty years. This is the setup playbook: claim the free 401(k) match, split the paycheck before you can spend it, open the Roth IRA that fits your low tax bracket now, build credit, and handle student loans without derailing the rest.GuideELFI vs SoFi: Which Student Loan Refinance Wins in?ELFI vs SoFi student loan refinance compared on personal service, member discounts, and rates. See which direct lender fits your refinance.CalculatorStudent Loan Payoff CalculatorEstimate fixed-payment student-loan payoff with zero-rate, non-amortizing, and final-payment safeguards.ComparisonProduct comparisonExisting SwitchWize comparison page connected to this rate.