<prompt> Human: I have 22,000 in student loans and am tired of paying a fixed 6.8 interest. I have excellent credit and am thinking about getting a personal loan from the bank to immediately pay off my student loans. I could then pay off the loan from the bank, which would have a much lower interest rate. Thoughts?  <response>: Theres probably some major catch to the 3 loan. Most personal loans are in the 10 range, since theyre a riskier, unsecured loan for the bank to make. Did they hire you this 3 already? 