If you’re already saving up to get a house or other retirement savings, it’s probably a good idea to take out a mortgage at age 51.

That’s the age you get to begin taking out your first loan, and it’s also the age when the median home loan is expected to fall by a third.

According to the latest Federal Reserve Survey of Consumer Finances, the median house loan rate is expected fall from 2.1% to 2.07% in the next 12 months.

That rate will likely drop further to 2% by the time you’re 62 years old.

The median student loan payment is expected drop from 6.7% to 6.5% by age 55.

For that same time period, the rate on your car loan is also expected to drop from 7.8% to 7.2%.

That makes the average student loan rate fall from 6% to 5.7%.

As you age, that drop in interest rates on your student loans can have an enormous impact on your monthly payments.

However, there are some caveats to consider.

First, you’re not paying the full price of the loan you’ve borrowed, which means your monthly payment is higher.

And, second, there’s the possibility that your monthly debt will still grow.

So, if you’re a homeowner and you’re planning to make the jump from a student loan to a car loan, here are a few things to keep in mind.