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If you’re looking to lower your interest rate, there are a few steps you can take. First, make sure you have a good credit score by paying your bills on time and keeping your credit utilization low. You can also consider refinancing your loans or credit cards to get a lower interest rate. Another option is to negotiate with your lender or credit card company to see if they can lower your interest rate. Finally, you can look into consolidating your debt to simplify your payments and potentially lower your interest rate. Remember, lowering your interest rate can save you money in the long run, so it’s worth taking the time to explore your options.