https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Fri, 08 May 2026 21:39:55 +0000 https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1644845 Mon, 19 May 2014 13:36:19 +0000 cmomma17 1644845@https://boards.hellobee.com/ <p>@Bookish: it was probably the funniest call my dad ever received :silly: </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1644825 Mon, 19 May 2014 13:30:20 +0000 Bookish 1644825@https://boards.hellobee.com/ <p>@cmomma17: LOL I almost called my dad to say the same thing...and then I came to my senses. I was so irritated when they switched my loan and didn't tell me! </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1644818 Mon, 19 May 2014 13:27:41 +0000 BlueWolverine 1644818@https://boards.hellobee.com/ <p>2% for my undergrad/law loans (by far the most $$), 5% for my stupid bar study loan. DH's are at 6-7%, so his go first. </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1644471 Mon, 19 May 2014 11:23:10 +0000 loveisstrange 1644471@https://boards.hellobee.com/ <p>Mine were 6.8, it's a big reason why we decided to pay them off in one chunk. </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1644279 Mon, 19 May 2014 10:28:41 +0000 SugarplumsMom 1644279@https://boards.hellobee.com/ <p>Last I checked, it was 2.63%. I think I lost the 0.25% auto-pay discount when WAMU closed down (2008) because I was abroad and couldn't open a new bank account fast enough. </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1644249 Mon, 19 May 2014 10:15:47 +0000 deactivated_account 1644249@https://boards.hellobee.com/ <p>My remaining student loan debt is sitting pretty at 1.65%. *phew* I recently paid off all the other higher interest debt with every penny I could find. </p> <p>DH has less debt than me, but shitty interest rates. One small loan is 10%! We are focused on paying that down now. </p> <p>I disagree with previous posters - private debt is way worse.</p> <p>ETA: I also consolidated at some point during college. That's where the low rate came from. </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1644210 Mon, 19 May 2014 10:01:19 +0000 lisa1783 1644210@https://boards.hellobee.com/ <p>Mine 2.25% and it was because I consolidated in 2005/2006. The year after that Congress changed the student loan rates and it shot up past 5%. My DH graduated law school in 2007 and when he consolidated his rates were in the mid 6's. Ouch. </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1644200 Mon, 19 May 2014 09:59:00 +0000 delight 1644200@https://boards.hellobee.com/ <p>In ontario our student loan rates are floating at prime plus 2.5% so right now I think that makes it about 5.5%. DH and I managed to pay ours off last year just before LO arrived thankfully. </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1644188 Mon, 19 May 2014 09:54:33 +0000 hellocupcake 1644188@https://boards.hellobee.com/ <p>@Anagram: how did you consolidate? I always hear about doing this but I'm scared it will be a scam of sorts or make my situation worse :( How did you know which company to go with? :) </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1644148 Mon, 19 May 2014 09:41:25 +0000 cmomma17 1644148@https://boards.hellobee.com/ <p>@mrsjazz: so depressing :( </p> <p>@sorrycharlie: I had a late payment that month too! yay for saving .25%! </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1644145 Mon, 19 May 2014 09:40:11 +0000 sorrycharlie 1644145@https://boards.hellobee.com/ <p>@cmomma17: hahaha! they did notify me but I couldn't sign in, and when I finally could (to the new people) there was no balance!!..how was I supposed to pay, lol? so that month's payment was late! they worked with me though.</p> <p>but thank you - I just signed up for automatic payments and saved .25% on interest rate! not much, but something right? </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1644143 Mon, 19 May 2014 09:39:25 +0000 mrsjazz 1644143@https://boards.hellobee.com/ <p>@sorrycharlie: @cmomma17: Mine is through Mohela, whoever they are. I just did a student loan calculator that the NYTimes has and it says that I should be bringing in income that's at least the same amount as my loan to pay it off in ten years. 10 years is a pipe dream. :crying: </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1644121 Mon, 19 May 2014 09:33:27 +0000 cmomma17 1644121@https://boards.hellobee.com/ <p>@sorrycharlie: yeah they sold mine to the ed financial people. It was so weird when it happened because they didn't notify me! So I went to check my balance online (which I do obsessively) and it was $0! I actually called my dad and asked if there was any chance he was feeling super generous and paid off all of my student loans? He said "hell no!" :silly: </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1644114 Mon, 19 May 2014 09:32:10 +0000 sorrycharlie 1644114@https://boards.hellobee.com/ <p>@cmomma17: I had direct loans but they sold my loans to fedloan servicing :( </p> <p>my rate is 6.8. I will be paying these til I die. and I don't even want my stupid *** degree. </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1644106 Mon, 19 May 2014 09:30:29 +0000 kiddosc 1644106@https://boards.hellobee.com/ <p>Mine are 2.1%, I have the same kind of loans as @cmomma17 and am enrolled in kwikpay. </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1644072 Mon, 19 May 2014 09:16:13 +0000 mrsjazz 1644072@https://boards.hellobee.com/ <p>5.88% after consolidation. I had some from college that had a super low interest rate and some from grad school that were high--this is in the middle but still too high! I'm barely paying the principal each month, ugh. </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1644064 Mon, 19 May 2014 09:12:45 +0000 Sunshine1810 1644064@https://boards.hellobee.com/ <p>One of mine is 2.5% and the other is 6.8%...ick... </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1644044 Mon, 19 May 2014 09:03:56 +0000 2PeasinaPod 1644044@https://boards.hellobee.com/ <p>Mine were 2% - I had consolidated them around 2004ish too when the rates were super low. DH's were at 5%...he didn't realize his weren't consolidated and he had a variable interest rate. I locked in the 5% before they skyrocketed. </p> <p>I am so excited that we both paid off our loans within the last year. It feels soooo good for our only debt to be our mortgage! </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1644039 Mon, 19 May 2014 09:02:12 +0000 Greentea 1644039@https://boards.hellobee.com/ <p>@yoursilverlining: yeeessssss </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1644037 Mon, 19 May 2014 09:01:12 +0000 Sparkler 1644037@https://boards.hellobee.com/ <p>@cmomma17: I think it's common to get a .25% interest rate reduction for enrolling in auto payment, so maybe that is it. </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1644034 Mon, 19 May 2014 09:00:44 +0000 cmomma17 1644034@https://boards.hellobee.com/ <p>@Bao: mine are through ed financial/direct loans and it looks like you can set it up or cancel it anytime online </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1644029 Mon, 19 May 2014 08:59:13 +0000 yoursilverlining 1644029@https://boards.hellobee.com/ <p>My private loans are all between 1-3% and my federal are locked in at 6.8% womp womp. Get all federal loans they said, the private loan companies all screw you they said. Lies, all lies </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1644026 Mon, 19 May 2014 08:58:47 +0000 Bao 1644026@https://boards.hellobee.com/ <p>I need to look into this auto payment thing is that something you can set up late in the game? </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1644013 Mon, 19 May 2014 08:55:12 +0000 Mrs. Yoyo 1644013@https://boards.hellobee.com/ <p>Mine is 2 something ... I also consolidated when rates were really good! </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1644010 Mon, 19 May 2014 08:54:03 +0000 Cole 1644010@https://boards.hellobee.com/ <p>Mine is 2.75 or 2.85% I can't remember which, either way it is low enough that we are in no hurry to pay it off. My husband's is higher but I believe still under 5%. </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1644009 Mon, 19 May 2014 08:53:04 +0000 Anagram 1644009@https://boards.hellobee.com/ <p>2.5% I consolidated my loans back in 2004 and got that rate locked in. For life, probably, hehe. </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1643990 Mon, 19 May 2014 08:48:37 +0000 hotchildinthecity 1643990@https://boards.hellobee.com/ <p>I think it's like 6 percent. Brutal. This is why i'm starting a 529 for my kid(s) </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1643987 Mon, 19 May 2014 08:47:39 +0000 cmomma17 1643987@https://boards.hellobee.com/ <p>I might be reading mine wrong. I looked in a different place (online) and it says 2.10%</p> <p>Who knows! </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1643978 Mon, 19 May 2014 08:44:42 +0000 indi 1643978@https://boards.hellobee.com/ <p>6.55% - they're actually 6.8% but I get a .25% discount for auto payments. The rate is brutal, ugh! We're going to try as hard as we can to get them paid off on the 10 year plan to minimize the amount of interest we end up paying. If I had the assets to secure a loan with a lower interest rate, I'd pay those suckers off ASAP and save ourselves $20K+ in interest payments. :meh: </p> https://boards.hellobee.com/topic/whats-your-student-loan-interest-rate#post-1643977 Mon, 19 May 2014 08:44:14 +0000 Greentea 1643977@https://boards.hellobee.com/ <p>@cmomma17: mine is actually somewhat a problem... mine are currently deferred. Just part of life for some of us I guess! </p>