https://ficoforums.myfico.com/t5/Student-Loans/My-interest-rate-on-my-student-loans-is-fixed-at-3-25-Is-that-a/m-p/3734245#M16872 <P>Rehab takes a minimum of 9 payments to complete. &nbsp;But, you should keep in contact with the CA and monitor when your loans are transferred to your new servicer. &nbsp;You may have to make a 10th payment depending on the timing, or if there is some kind of delay.</P><P>&nbsp;</P><P>I doubt very seriously you could refinance your loans for less than 3.25%. &nbsp;Personal loans for people with good credit are generally in the 6-10% range, and substantially higher for people with lower scores. &nbsp;Private student loans are sometimes lower than that, but then the rate is often variable and subject to increase.</P> Sun, 11 Jan 2015 04:29:57 GMT SCF 2015-01-11T04:29:57Z https://ficoforums.myfico.com/t5/Student-Loans/My-interest-rate-on-my-student-loans-is-fixed-at-3-25-Is-that-a/m-p/3732036#M16854 <P>I consolidated my student loans years ago. I'm in the process of rehabbing them after going into default. I've made 5 payments and received a letter today stating they will no longer take my tax refund. Yay! Only 4 more payments to go! It is 9 payments, right? Not 10? Anyway, I'm wondering if 3.25% is a good interest rate given today's low interest rates. Thanks for any info!</P> Sat, 10 Jan 2015 02:11:47 GMT https://ficoforums.myfico.com/t5/Student-Loans/My-interest-rate-on-my-student-loans-is-fixed-at-3-25-Is-that-a/m-p/3732036#M16854 ah32 2015-01-10T02:11:47Z https://ficoforums.myfico.com/t5/Student-Loans/My-interest-rate-on-my-student-loans-is-fixed-at-3-25-Is-that-a/m-p/3732044#M16855 <P>Looks like the current interest rate for&nbsp;<SPAN>Direct Subsidized and Unsubsidized Loans (Undergraduates) is 4.66%. At least I have that going for me!</SPAN></P> Sat, 10 Jan 2015 02:18:01 GMT https://ficoforums.myfico.com/t5/Student-Loans/My-interest-rate-on-my-student-loans-is-fixed-at-3-25-Is-that-a/m-p/3732044#M16855 ah32 2015-01-10T02:18:01Z https://ficoforums.myfico.com/t5/Student-Loans/My-interest-rate-on-my-student-loans-is-fixed-at-3-25-Is-that-a/m-p/3732142#M16856 yes thats pretty good considering I have some at over 6% Sat, 10 Jan 2015 03:19:38 GMT https://ficoforums.myfico.com/t5/Student-Loans/My-interest-rate-on-my-student-loans-is-fixed-at-3-25-Is-that-a/m-p/3732142#M16856 Luscher 2015-01-10T03:19:38Z https://ficoforums.myfico.com/t5/Student-Loans/My-interest-rate-on-my-student-loans-is-fixed-at-3-25-Is-that-a/m-p/3734245#M16872 <P>Rehab takes a minimum of 9 payments to complete. &nbsp;But, you should keep in contact with the CA and monitor when your loans are transferred to your new servicer. &nbsp;You may have to make a 10th payment depending on the timing, or if there is some kind of delay.</P><P>&nbsp;</P><P>I doubt very seriously you could refinance your loans for less than 3.25%. &nbsp;Personal loans for people with good credit are generally in the 6-10% range, and substantially higher for people with lower scores. &nbsp;Private student loans are sometimes lower than that, but then the rate is often variable and subject to increase.</P> Sun, 11 Jan 2015 04:29:57 GMT https://ficoforums.myfico.com/t5/Student-Loans/My-interest-rate-on-my-student-loans-is-fixed-at-3-25-Is-that-a/m-p/3734245#M16872 SCF 2015-01-11T04:29:57Z https://ficoforums.myfico.com/t5/Student-Loans/My-interest-rate-on-my-student-loans-is-fixed-at-3-25-Is-that-a/m-p/3914509#M17692 <P>If my student loan was locked in at 3.25% before I defaulted, will it be the same after rehab? I've also read that the ridiculous collection fees go away after the loan is picked up by a new servicer. Is that correct? Thanks!</P> Mon, 06 Apr 2015 17:44:52 GMT https://ficoforums.myfico.com/t5/Student-Loans/My-interest-rate-on-my-student-loans-is-fixed-at-3-25-Is-that-a/m-p/3914509#M17692 ah32 2015-04-06T17:44:52Z https://ficoforums.myfico.com/t5/Student-Loans/My-interest-rate-on-my-student-loans-is-fixed-at-3-25-Is-that-a/m-p/3915575#M17697 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/28312">@ah32</a> wrote:<BR /><P>If my student loan was locked in at 3.25% before I defaulted, will it be the same after rehab? I've also read that the ridiculous collection fees go away after the loan is picked up by a new servicer. Is that correct? Thanks!</P><HR /></BLOCKQUOTE><P>Yes, the terms of your original loan agreement (including the interest rate) apply after you finish rehab, and the collection fees will be removed.</P> Tue, 07 Apr 2015 00:11:13 GMT https://ficoforums.myfico.com/t5/Student-Loans/My-interest-rate-on-my-student-loans-is-fixed-at-3-25-Is-that-a/m-p/3915575#M17697 SCF 2015-04-07T00:11:13Z https://ficoforums.myfico.com/t5/Student-Loans/My-interest-rate-on-my-student-loans-is-fixed-at-3-25-Is-that-a/m-p/4074773#M18228 <P>Just made my 9th payment! TG told me that my loan may be picked up by the end of next week because I made my payment early. Very excited! So, my collection fees will be removed? If so, that's fantastic! My collection fees are hovering around $7700! Thanks for the info.</P> Mon, 15 Jun 2015 14:13:54 GMT https://ficoforums.myfico.com/t5/Student-Loans/My-interest-rate-on-my-student-loans-is-fixed-at-3-25-Is-that-a/m-p/4074773#M18228 ah32 2015-06-15T14:13:54Z https://ficoforums.myfico.com/t5/Student-Loans/My-interest-rate-on-my-student-loans-is-fixed-at-3-25-Is-that-a/m-p/4101422#M18338 <P>It's finally done! I've rehabbed my student loan and AES picked it up. I was able to log in right away and see my loans. I'm concerned that my interest rate is now 3.5, not 3.25 and it doesn't seem like any of the fees were removed. I thought that by rehabbing I avoided some of the collection costs?</P><P>&nbsp;</P><P>It's no wonder we have a student loan crisis and people are choosing to stay in default. People's loan amounts are increasing exponentially from the inital loan!</P> Tue, 30 Jun 2015 20:09:21 GMT https://ficoforums.myfico.com/t5/Student-Loans/My-interest-rate-on-my-student-loans-is-fixed-at-3-25-Is-that-a/m-p/4101422#M18338 ah32 2015-06-30T20:09:21Z https://ficoforums.myfico.com/t5/Student-Loans/My-interest-rate-on-my-student-loans-is-fixed-at-3-25-Is-that-a/m-p/4101774#M18339 Not sure about your question but 3.5% is amazing, ill trade you! lol Tue, 30 Jun 2015 23:23:30 GMT https://ficoforums.myfico.com/t5/Student-Loans/My-interest-rate-on-my-student-loans-is-fixed-at-3-25-Is-that-a/m-p/4101774#M18339 Luscher 2015-06-30T23:23:30Z https://ficoforums.myfico.com/t5/Student-Loans/My-interest-rate-on-my-student-loans-is-fixed-at-3-25-Is-that-a/m-p/4106396#M18361 <P>Yep, my student loan is not at 3.5 and I know I was locked in at 3.25 before the rehab. I plan to call tomorrow to find out why!</P> Fri, 03 Jul 2015 07:17:15 GMT https://ficoforums.myfico.com/t5/Student-Loans/My-interest-rate-on-my-student-loans-is-fixed-at-3-25-Is-that-a/m-p/4106396#M18361 ah32 2015-07-03T07:17:15Z https://ficoforums.myfico.com/t5/Student-Loans/My-interest-rate-on-my-student-loans-is-fixed-at-3-25-Is-that-a/m-p/4106682#M18365 Wow how old are your loans? They haven't been that low since pre-2006. Most lenders will take off .25% if you set up autopay, so that might be an option.<BR /><BR /><A href="https://studentaid.ed.gov/sa/types/loans/interest-rates#older-rates" target="_blank">https://studentaid.ed.gov/sa/types/loans/interest-rates#older-rates</A><BR /> Fri, 03 Jul 2015 15:17:11 GMT https://ficoforums.myfico.com/t5/Student-Loans/My-interest-rate-on-my-student-loans-is-fixed-at-3-25-Is-that-a/m-p/4106682#M18365 InvincibleSummer3 2015-07-03T15:17:11Z