it depends on your rate and how quick you can pay if off. if you are an under graduate and can qulify subsidized loan, then fixed rate makes sense. HoweverI, if you can't get that the rate is 6.8% if you will pay off your loan quick in the future, you can get non fixed rate around prime or prime +0.25%. I don't think prime will move up quickly with the current fed policy. So do your math and see which one is better.
btw, you can't never get rid of student loan, not even with a chapter 11 bankrupcy filling. So make sure you borrow what you need and be able to pay back in the future.
here is the student loan table:
Academic Year Subsidized Rates Unsubsidized/Graduate Rates
2010-11 4.50% 6.80%
2011-12 3.40% 6.80%
2012-13 3.40% 6.80% |
匿名
发表于 2012-8-27 21:20:57
发表于 2012-8-28 07:08:23