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Answer:
A higher credit score
Step-by-step explanation:
Interest rates are generally set based on at least a couple of factors:
- what the market will bear (competition)
- the risk associated with a loan
Folks who have a lower level of disposable income, or who have a history of missed payments or loan defaults are likely to have a lower credit score. Loans offered will likely have a higher interest rate than for someone with a better credit score.
Loan fees may be reduced also when interest rates are reduced.
Based on the above discussion, we see that lower loan fees, higher credit score, and lower interest rates are all positively correlated. One does not necessarily indicate another.
Of the choices offered, we suppose "a higher credit score" is most likely the desired answer.
