Shorter term = higher monthly payment but far less total interest paid. Longer term = lower payment but costs more overall. Choose based on your budget, but shorter almost always wins financially.

Most lenders prefer 670+, though some accept 580+. A score above 740 gets you the best rates. Credit unions often have more flexible requirements than traditional banks.

Usually yes — check for prepayment penalties in your loan agreement. Federal student loans have no prepayment penalty. Extra monthly payments reduce principal faster and cut total interest paid.