surflover00- Interest rates for student loans depend on a variety of factors. First of all, the interest rate you get can vary depending on the type of student loan.
Federal student loans have a fixed interest rate, usually around 7 percent. Parent loans that are provided by the government also have fixed interest rates.
Interest rates for private loans will depend on a number of things. Your credit rating will greatly affect your interest rate. If you have poor credit or no credit, you will have a higher interest rate that someone who has good credit.
Another things that will affect the interest rate is if you have a cosigner. You can usually get a lower interest rate if you have a cosigner.
Lastly, the state of the economy can also affect interest rates. During hard economic times, interest rates fall. During economic booms, interest rates rise.