<prompt> Human: Also who has the best rates for private loans?I know that your supposed to do govt first and take advantage of the scholarships. YA YA YA. Please just tell me where I can the best rates. Parents make over 100,000 yearWhite Student CommutingGoing to Public University Philly  <response>: Im not sure youre ready for this forum of advice. The vast majority of what you need to know and can know accurately is answered in your flippant YA YA YA.Based on some of your keywords, I assume you are talking about student loans. The best rates for you will vary. If you are applying to a traditionally structured private education loan, a higher income and credit score of a cosigner will be a benefit. Being employed will always be a benefit in the private market.There are needs based ones where you can get special terms or reduced rates for being low income, but you would probably not qualify as a dependent of a higher income earner.Membership with a credit union may qualify you for a discounted rate from them.Your whiteness will give you better odds with scholarships and enrollment into university, but will not help you in the lending market. In lending, your racial identity is a statistic taken on the tax form AFTER you have been qualified. The lender is not allowed to identify this information as part of making a decision, and it is not a useful substitute to actually meaningful data.I have heard that some lenders are taking into account your choice of school and major. Perhaps someone else can speak to that.In the end, the only way to know your rate is to apply. You would need to shop around. That is your responsibility as a borrower. 