Subprime Rates

See: Subprime. See: Interest Rate.

Different strokes for different folks. Different rates for different risk categories. Prime rates: 4%; subprime rates: 7%. Huge difference over time in what you'll pay to rent that money.

How do you...fix this? You become "prime." And no, you can't do it by just giving Amazon 75 bucks a year. Instead, you'll have to earn more money, put more money down on that home rather than less, have savings, maybe a stock market portfolio, and exist in a robust industry category...i.e. there's way less risk that a skilled Python Coder can't find well paying work than for a barista, school teacher, journalist, or other non-STEM gig.