<prompt> Human: Hey everyone. I have a student loan with Sallie Mae. It is currently at roughly a 9000 balance. Over the past 2 years my rate with them has gone from about 8 up to its current 10.125. That just seems really high for a student loan, and it keeps going up. I checked with my credit union for a personal loan and their rate is 10.9. Most personal loans seem to be this high or higher. Do i have any other options available to me to lower this rate? Thanks in advance. No equity by the way.  <response>: You can try to refinance if you have the incomecredit score.But thats what can happen when you take out variable rate loans. 