<prompt> Human: My student loans offer a 0.25 decrease in my interest rate if I sign up for automatic payments. Whats the rationale behind that for them? Id prefer not having automatic payments but obviously want to take advantage of this.  <response>: I assume its because it decreases the likelihood of you missing a payment by forgetting about the due date, and theyd rather cut you a small break on interest than risk you not paying as agreed. 