High interest rates for loans, but high credit score. Confused as to why??

2021.09.24 13:31 JojoIcedTea High interest rates for loans, but high credit score. Confused as to why??

High interest rate for grad school but high credit score. Confused as to why?
I just applied for a loan for the first time in my life for grad school through Sallie Mae for about ~90k, but it came out to variable rate of 8.5% and fixed rate of 10%.
I am so confused as to why I am getting such high rates. My credit score is 750+, I have always paid my bills on time etc., no dings on that aspect. Does the fact that I have never taken out a loan until now really causing these high rates?
The only other thing I could think of was this month I used my credit card to pre-pay part of my yearly rent so paid $12k on a $19k credit limit card. My card closed the statement with it on the 20th, but I paid in full on the 23rd so it is not late - just showing high credit utilization. I know this affected my credit score, but enough for a 8.5 % interest rate?? I was expecting 3 - 4%.
Also I am in the middle of grad school so I donโ€™t have income, except for my summer internship. I paid first year tuition and living expenses with my savings.
Anyone familiar with the loan application process can help me understand this? What can I do to bring my rates down? Is this normal rates for first time loan?
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2021.09.24 13:31 svanapps Need to Know: The S&P 500 has to hold this line in the sand or risk a terrifying plunge, says strategist

Need to Know: The S&P 500 has to hold this line in the sand or risk a terrifying plunge, says strategist submitted by svanapps to CryptoToFuture [link] [comments]


2021.09.24 13:31 RamyarStar Am I Eligible for UKFP 2023?!!

Hello.
I am an International Medical Graduate who wants to start FY1 in the UK. I will START the last year of medical school in September 2022. and I will finish medical school in July 2023. can I apply for UKFP 2023? Am I eligible for applying?
Note: The UKFP 2023 program application starts in July 2022 and will be open until 4th August 2022. During which I am in the last stage of medical school and have not yet received my degree.
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2021.09.24 13:31 Nightwarper If Wario and Waluigi are in a Mario movie, who do you want to play them? How about Danny Devito and Tom Holland?

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2021.09.24 13:31 ChessLeveling Doing endgame vids from "100 endgames you must know". This time a fundamental king and pawn endgame most people don't properly know. Do you know it and what is your rating? (btw, planning to do a tactics book next!)

Doing endgame vids from submitted by ChessLeveling to chess [link] [comments]


2021.09.24 13:31 Shaunybox12 Drumsheds show

Anybody here going to the drumsheds show today? I travelled down from Scotland with 2 friends to go to todays show, so if you see 3 scottish lads falling about the place, come and say hi ๐Ÿ˜‚
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2021.09.24 13:31 BirdyMaster21 Unpopular opinion

The whole trans thing is dumb as fuck. Iโ€™m perfectly Fine with you being gay or bi or basically anything, but the one thing is dumb as hell is the pronoun trans thing. Even tho I find it dumb, I am not against nor supporting it, because I donโ€™t care what you do with your life.
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2021.09.24 13:31 Fault-Radiant My youth is slipping away

Hello. Iโ€™m not sure where to post this and I donโ€™t have anyone to text about this, so I am posting this here hoping that somebody can relate to me.
My youth is slipping away. Iโ€™m 20 turning 21, and I feel that Iโ€™m running out of time to do the things that I planned for myself to do a few years ago.
When I finally graduated from JC, I planned to go out and have fun, do all the things 20 something year olds should be doing - going on grad trips, clubbing, chalets, karaoke with a big group of friends, going to UK with my family etc. But all of those things seem to only happen in my dreams.
To add on, our MTF is taking a very reactive approach to this whole covid thingy. Loosen restrictions -> cases go up -> tighten restrictions -> cases go down -> repeat. This has been going on since March 2019. I am not criticising their approaches because honestly I donโ€™t know what I want too. I want to go out and have fun with friends and family, but I donโ€™t want to bring the virus home to my immunocompromised family members. At the same time, Iโ€™m very tired of this lifestyle in which I only commute between home, NS, and hall. I donโ€™t have a close group of friends to just say โ€œwan come my hall drink/mahjongโ€ stuff like that, because i never got to experience any legit orientations/ sports camps etc.
I feel like I am just sitting and waiting for time to pass, waiting for daily covid numbers, waiting for announcement for phase 2 HA, then phase 2 HAHA, then phase 2 HAHAHA, what phase are we even at now anyway?
Iโ€™m going to graduate soon and my family members are getting older (&weaker) with each passing day. I donโ€™t have time anymore, and i donโ€™t know what to do about it.
:(
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2021.09.24 13:31 daniele-32_bit :)

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2021.09.24 13:31 Dragonmyste Alone time training

Can I gauge your opinions here on what would be an effective sort of plan to train puppy to be alone.
At the moment we still have some whining if left alone, but it's not as substantial as it was initially. I've started leaving puppy in another room from me while I work for a short part of the day (2 hours) and I've been trying to leave the house occasionally for very very short periods. Either to put bins out, or go to the nearest shops (10 to 15 minutes).
On this... Do you think it would be a good idea for me to add this trip to the shop as a daily activity to get him used to it or is that a recipe for seperation anxiety.
I really can't tell whether my puppy has seperation anxiety or is just a puppy! I've put a few posts on here about it as it's just worries me the most! I've also been trying to implement some of the tips you guys have given (thank you!!). There are no wees and poos when left anymore that weren't genuine accidents (so no fear poops)
But I just wanted to pool the collective mind on whether scheduling in a daily out of house period is a good idea (or a terrible one) as he does still bark if I leave. But as stated, I'm not sure this is a 'I'm terrified bark' or a 'I feel left out' fomo type deal!
Finally, with your puppies did you encounter this and have the whining puppy who you never ever thought would learn its okay to be alone? I do think I still have some puppy blues affecting my view of things, having a puppy is such hard work, so I'm a little concerned I'm being irrational by getting so worried about this is its normal puppy adjustments.
Send help. Haha!
My puppy just turned 4 months and he's a mini dachshund!
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2021.09.24 13:31 Sudden_Iron2875 Cursed clock

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2021.09.24 13:31 DoctorSusanCalvin overview for HerthaVanhoose

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2021.09.24 13:31 ZakZomby Verified BM anywhere for best prices

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2021.09.24 13:31 327960016734 Anyone trade on telegram? @benstar123

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2021.09.24 13:31 HelenaHarper Yae by sd4869

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2021.09.24 13:31 username228882288 Dyson Air Wrap

Do you guys think there will be a discount in October for the Dyson Air Wrap?
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2021.09.24 13:31 CompetitiveShower238 Enjoy a short relaxation with a white satin rose. And next Monday I will publish a new series "Relax Beats" Have a nice day ๐Ÿ™‚

Enjoy a short relaxation with a white satin rose. And next Monday I will publish a new series submitted by CompetitiveShower238 to audiomeditation [link] [comments]


2021.09.24 13:31 bewim1 Existe algo de Denise Quiรฑones?

Existe algo de Denise Quiรฑones? submitted by bewim1 to RompeDiscotecas [link] [comments]


2021.09.24 13:31 prawnbiryani ๐Ÿ’—โ˜๐Ÿฆ๐ŸŒธ๐Ÿง๐Ÿค๐Ÿฆฉ

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2021.09.24 13:31 lovemaps_rpg An Old Country Farm

An Old Country Farm submitted by lovemaps_rpg to battlemaps [link] [comments]


2021.09.24 13:31 HyperHsuckz I hate who I've become

I've become a misanthrope and it sucks. I never planned for this. I used to be so naive, I thought I was like everyone else, just quiet and shy. But I'm not like everyone else, I disdain society. I work in a mall. All day, everyday, it's just people constantly consuming and consuming. It's like watching the living dead feast on their prey. I look on and judge people and then complain when people judge me.
I'm a hypocrite. I'm not a good person. I tried to become vegan and failed. I just stopped caring, this world is a meat grinder and eventually worms will feast on my carcass. That's nature, it's harsh and a bitch. This whole world is one big snake consuming itself. My heart is hardening like pharaohs.
Spirituality used to lift me up, now I look down on it as nothing but a guilty consciousness trying to make amends. I'm guilty of not liking people. I don't want friends. I don't want a wife. And I definitely do not want children. I'm miserable. I'm angry. I'm a corrupted beast. I just don't wanna be around people, I hate it to my very core. I want the sound of silence that comes from the company of one. But again, I hate who I've become.
Social anxiety? Fuck that. I'm anxious because I'm not one of "them". I haven't been anointed, I've been cursed. I don't wish this on anyone because I know I'm the outsider. I don't wish harm on anyone or seek any kind of revenge. I used to only seek redemption for myself. But I'm beyond saving - when I look at humans I see nothing but pigs at a trough. Fuck the human brain, fuck feelings, fuck this human body. All I want is peace, and that means being alone. Back up slowly and go away. I carry it in my body language and my eyes convey it - piercing eyes of judgement as if I'm so special, as if I'm so much better than the people I judge.
I never thought I'd live to 32. I was gonna kill myself at 27, so at least I could join some sort of club - the 27 club. This is all I'm good for, expressing myself while looking at a screen, rather than actually connecting with another human being in person. But I can't deal with human beings because I'm repulsed by this species, one that thinks because it's intelligent that it gives them free reign to do whatever they want.
If you actually read this far, you're amazing. I don't hate you and I want you to live your best life. I've just given up, life is a series of chores that repeats day in, day out, until this body breaks down and dies. Such is life or oh well its comes to this?
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2021.09.24 13:31 LoveApprehensive7290 F 22. My cousin wants you to rate her from 1 to 10

F 22. My cousin wants you to rate her from 1 to 10 submitted by LoveApprehensive7290 to selfie [link] [comments]


2021.09.24 13:31 Immi35 Boris Johnson asked for โ€˜emergencyโ€™ food deal, says Bolsonaro

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2021.09.24 13:31 JerSucks 210924 ITZY Instagram Reels Update with Yuna

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