<prompt> Human: My private loans are through Navient. Theyve had the same rates as long as I can remember. I logged on today and I have a subsidized loan that went from 6 to 6.8. I also have a signature loan that went from 5 to 5.250 and another from 5 to 5.125. It may not seem like much and Ive been aggressively paying them off, but its definitely frustrating. I feel like theyre trying to milk out every penny I have  <response>: You chose a variable interest rate student loan. When you applied for one they offered you two loans, one had a lower rate, thats the variable loan you chose.The federal reserve recently increased its rate, meaning yours went up as well. 