At high altitudes: 1  Air pressure is lower, so foods take longer to bake. Temperatures and/or bake times may need to be increased. 2  Liquids evaporate faster, so amounts of flour, sugar and liquids may need to be changed to prevent batter that is too moist, dry or gummy. 3  Gases expand more, so doughs rise faster.
The rate for the Smart Option Student Loan, which will be available to undergraduate and graduate students, will range from 5.75% to 12.875% depending on the borrower's credit history and other criteria. (The average credit score for Sallie Mae customers in the first quarter of 2012 was 748.).
Sallie Mae says that for a $10,000 loan, borrowed at 6.75 percent over a term of 10 years, and deferred for two years, the savings compared with a federal Plus loan would be more than $1,800. The savings are greater if the rate is lower, and if payments are made while the student is in school.