<prompt> Human: Ive fought the urge to ask this question out of respect to those who are suffering under student loans with high interest rates but its been puzzling me for years. My student loan interest rates are ridiculously low and no one - even my two friends who are financial advisors - can figure out why.I had variable-rate loans from Citibank until 2011 when they were sold to Sallie Mae Navient. My balance was about 17k at that time, dont remember the interest rate but I think it was in the 3-4 range. When SMNavient picked them up the rates dropped below 1. They currently range from .07-.39. At first I assumed it was some kind of gimmick, like they compounded hourly at that rate or something: But no, Ive been paying just a few dollars per loan in interest each year.Obviously Im not complaining but Ive always wondered how this happened and didnt think anything good would come of asking Navient: Has anyone heard of anything like this? Was it just an error in my favor? Thanks for any insights!  <response>: That is like some sort of mystical kinda shit... you must have a deity on your side... 