<prompt> Human: I am refinancing my student loans through Citizens Bank and they offered me the lowest Variable2.93 and Fixed5.29 for 10 years. Any reason to not go with the Variable rate?  <response>: The downside of a variable rate is that the rate is variable. The rate could rise well above what youd pay for a fixed rate depending on how it varies, how fast it can change, and any other relevant conditions of the loan. 