There are 4 types of Credit Market Instruments. You have no doubt taken advantage of at least two of these. And in doing so you have also no doubt seen a change in interest rates after your loan has gone into effect. Maybe rates have gone higher, perhaps they have dropped. Look at a loan you have, or had in the past. If interest rates changed, which way did they move and did you take advantage of the move in some way? Most importantly, what can you do moving forward to ensure you pay as little as possible in interest, and is it fair that simply because interest rates fall, incentives to lend fall as well? Look at it from both your point of view as well as if you are the lender.