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If the amount is significantly high and the repayment period longer, the lender is more interested in your credit score.
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Thus, for example, lenders operating in Florida are permitted to charge $10 per $100 loaned, and those same lenders, when lending in South Carolina, charge $15 per $100.
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If you have FFELP loans, you can see if this plan makes sense for you, however, you may be better off consolidating your loans into the direct loan program and applying for the new income-based repayment, Pay As You Earn or income-contingent repayment plans.
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