Pay after the due date. If you miss a payment or are late with one, you run the risk of raising your interest rate.
Extend your payment plan. Although your monthly payment is reduced, the amount you pay on the loan increases over time, as does your interest rate.
Pay under the full amount that is due. If you don't pay your full amount, your monthly payment is recorded as late and the interest rate increases.
Opt for a variable interest rate student loan. Although most student loans come with a fixed rate, some do start with a lower monthly payment and then increase the further you are into the repayment period.