The option that might help you save money on a student loan is:
agree to automatic payments
Many lenders offer a discount on interest rates if you agree to set up automatic payments, which can save you money over the life of the loan.
The other options might not help you save money:
- Making payments on the first day of every month doesn't inherently reduce the amount you owe.
- Taking a longer-term loan often results in paying more interest over time, despite lower monthly payments.
- Finding a loan with a higher APR would increase your overall cost.