Why do interest rate increase for student loans

It has to be five pages, (margins one inch all around, 12-point Times New Roman font, double-spaced, excluding graphs, the title page, and bibliography page(s)). For example, if you have one page of graphs (which should be on a separate page), you need to have six pages, plus the front page and the bibliography page(s). You must have at least 5 source references for the paper. You may use the text as one source. A paper not in the correct format or spell checked will receive less credit than one in the correct format and spell checked