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.).
Federal mortgage companies Fannie Mae and Freddie Mac consider 620 and below to be bad credit scores. They'll still work with you to get a mortgage if you have a score ranging between 620 and 640, but it'll cost you more, because your credit score labels you as a greater risk for default.