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Loan repayment: Variable or fixed rate?

Even if you can begin right away, you start paying off your loan 6 months after you finish your full-time studies. At that time, Desjardins will automatically apply the variable rate reserved for student loans. When you start paying off your loan, the interest rate will be variable. This is because a variable rate may be more advantageous in the long run. However, if you're not comfortable with the idea of a fluctuating interest rate, you can always request that the variable rate be replaced by a fixed rate. To change the agreement, you'll need to contact the Desjardins Group Student Service Centre.

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