Of all the costs of higher education, there’s one that doesn’t get as much attention as it should: the interest you pay on your student loan. Fortunately, you don’t have to accept whatever interest rate your lender gives you; there are ways to lower your rate and save thousands of dollars over time. This guide will introduce you to the basics of education loan interest rates and how they work, and provide suggestions on how to get the lowest possible rate on your education loan in the United States today. The type of loan you choose will affect your interest rate There are four types of education loans you can apply for: federal, private, PLUS and unsubsidized. If you have a credit score of 700 or higher, then Federal Student Loans will offer the lowest interest rates. If your credit score is lower than 700, then you're more likely to qualify for a private student loan which has slightly higher interest rates. PLUS loans are based on credit scores and income levels while unsubsidiz
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