Student loan repayment is usually higher due to the underlying risks involved in the product. Unlike home loans and auto loans, student loan is an unsecured loan that is repaid only after you complete your studies and get a job. 

The defaults on the education loan is higher when compared to other loans. The lenders fix the interest rate based on the risks involved in the profile of the customers. If the student is having a bad credit, the repayment tends to be higher.