Student loan refinance rates have held steady over the last week. As of November 13, 2025, student loan refinance lenders are offering fixed rates as low as 3.99% APR and variable rates starting as ...

Your location, loan amount and chosen lender can impact your refinancing costs.

This week the Freddie Mac 30-year fixed interest rate averaged 6.35%. Sam Khater, Freddie Mac’s chief economist, noted the 15 basis point-drop from last week was the largest weekly drop in a year.