Final answer:
A low-interest rate indicates that borrowers can borrow money at a relatively low cost, and a higher credit score can qualify borrowers for lower interest rates.
Step-by-step explanation:
A low-interest rate signifies that borrowers can borrow money at a relatively low cost. It is not directly related to a poor salary, increased risk, or zero loan fees. However, a higher credit score can enable borrowers to qualify for lower interest rates as it reflects a lower risk of default.
For example, if a borrower has a high credit score, they have demonstrated good financial behavior and are considered less risky, which allows them to access loans at lower interest rates. On the other hand, if interest rates in the economy have fallen, loans become more valuable as borrowers can secure funds at a reduced cost.