this post was submitted on 19 Sep 2025
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Is it fixed? although interest rates are likely to go down so even a non fixed is helpful currently.
Yep. It's the only real option in my opinion. My spouse's student loans weren't fixed and they'd fluctuate so much in payments and started accruing balance randomly. Our homeownership allowed us to leverage another fixed loan to pay off her variable loans. Now it's just a steady small payment for 15 years.