Can you think of some reasons why the interest rate would, Financial Management

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Can you think of some reasons why the interest rate would

Can you think of some reasons why the interest rate would change? Or better yet, pretend both you and I are going to the same bank today and both want to borrow 10k. Say that I have lousy credit and you have excellent credit. How can a bank play with the interest rate to reward you for your good credit and/or penalize me for my bad credit? Besides credit risk, what are some other reasons the interest rate might change?

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