The rate she got was 5.75%, I know they ran a basic credit app but I have no idea if the rate was based on that. I do know her credit score is in the tank right now due to bankrupcy 2 1/2 years ago and some of her old student load being in default, I don know what her score is right now but if I had to guess id say hi 500s or low 600s, id say no higher than 650. They had lots of programs to chose from up to 25 years, some based on income, and some graduated repayments. We went with a 15 yr fixed payment and got her $36k worth of loans for around $270 a month