That also means that the interest rates for these loans are set by the lenders, based on the borrower's credit history and / or other underwriting criteria determined by the lender. (studentloanhero.com)
Additionally, both lenders evaluate an applicant's credit history and score, as well as other underwriting criteria which may include income, debt - to - income, and work history. (lendedu.com)
Just keep in mind that variables such as health conditions, tobacco use, height & weight issues, driving records and a few other underwriting criteria can make a difference in your final rates. (bestchoicelifeinsurance.com)