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Thanks so much for joining us here on the Clark Howard Show where it's all about you and

that quality yours. I want you to learn ideas to me so you can save more and spend less

and don't let anyone ever rip you off and speaking of rip offs. There's an ugly reload

going on right now. That's a scam where people who already got taken are about to get

scammed again. I'm going to fill you in in a few moments in today's Clark rage and also

in the scam area. Do you know how easy it is when you're moving to get ripped off? I'm

going to share with you the steps to take to reduce the chances that your wallet gets

shredded when you're moving from place to place. Right now I want to talk about something

that is a constant refrain on our show from the callers we have on our show and that's

people that are dealing with federal student loans. It is my hope that we're at a point

now where people entering school today and in the next several years will approach college

completely differently and that's become even more important because federal student loan

rates are tracking upward because of general interest rates in the economy that affect what

you pay on student loans. So federal student loans have been relatively a deal for the last

nine years and that deal is going away bit by bit. This year for this fall class taking out

staffers is going to cost about 5%. There were three points something just maybe two years ago.

Graduate student loans, six and a half percent approximately and plus loans those are the ones

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