<prompt> Human: Im heading back to school soon and have never taken out any student loans previously. However I was just listening to an episode of the mad fientist podcast and the guest mentioned that he had a student loan with a rate of 0.86 or something. How do I get that!? It will take me a while to finish my degree, but that is a great rate and would hold onto it for a while considering my savings account gives double that.  <response>: Yeah Im raising the BS flag on that. Ive never heard of a student loan at that rate. You dont really hear about loans below 3 anymore but I would say 6-7 seems the norm now. Private loans will probably be 9-10. 