Skip to Main Content
Fixed- vs. Variable-Rate Student Loans: How To Choose the Best Option
Fixed-rate and variable-rate student loans each have pros and cons to consider.
By 
Written by
Freelance writer
Emily Guy Birken is an authority on student loans and personal finance. Her work has been featured by MSN Money and MarketWatch.
Edited by 
Written by
Kelly Larsen is a student loans editor at Credible. She has spent over 10 years covering personal finance, with expertise in mortgage and debt management.
Updated February 20, 2025
Editorial disclosure: Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as “Credible.”
