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.).
Currently, Fannie Mae requires a minimum 5% down payment to qualify for a home mortgage loan up to the conforming loan limit of $417,000. Borrowers using conventional financing up to the California high balance loan limit of $625,500 are required to have a 10% down payment.