Are interest rates on student loans generally lower than personal loans?
Yes and as long as you get a federal student loan the interest is lower and you can defer the payments until well after you have graduated. A personal loan you have to start paying back right away.
My federal loan is at 6% because Bush just raised the rates last year. I don't know how that compares to a personal loan but it seems pretty high to me.
Federal student loans usually have the best rates. You are mostly likely to be eligible for a Stafford loan - it has a fixed 6.8% interest rate.
If you happen to be offered a Perkins loan, take that first. The interest rate is 5%.
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