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I’m still getting lots and lots of questions about what to do with your student loans.

You can avoid future intercepts by rehabilitating your federal student loan and remaining current on payments. Get your loan out of default, get a payment plan you can afford, and then you can file your tax return.

For example, the prime rate tends to be set at 3 percentage points above the federal funds rate.

The prime rate is then used as a benchmark for many short-term financial products, including credit cards and home equity lines of credit. Hinterhaus Productions/Getty Images The Federal Reserve exerts an indirect influence on mortgages.

On a 0,000 mortgage, half of 1 percentage point of interest means a difference of ,000 or more over 30 years.

If you're on the fence about buying or refinancing, now is the time to act. However, just because rates are low doesn't mean you should take out a mortgage without thinking everything through.

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