<prompt> Human: As a 22 year old with not much knowledge of person finance, it looks legit but it also seems too good to be true, right? My current interest on my loan is 5, this place is offering 3. What should I be wary of?  <response>: Its advertising. Come on, you know that...No way for anyone to know if you qualify for a lower rate until you apply for a loan and get approved.Is it worth it to chase 2? 