1. A system for servicing a loan, the system comprising at least one subsystem operating on a machine for: receiving a plurality of first payments from a borrower of a loan according to the initial interest rate, wherein the loan comprises a loan period and an initial interest rate, and wherein the plurality of first payments are received during a first time period of the loan period; adjusting the initial interest rate of the loan to a second interest rate after the first time period, in response to the plurality of first payments received during the first time period; and receiving at least one second payment from the borrower for the loan according to the second interest rate.