State Bank Of India [SBI] — edu loan availed from sbi nandidurga road branch

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Edu loan availed for my daughter edu in usa @13.25% interest from sbm & cleared all emi last month with out default, for which i am eligible for 1% interest wavier on my loan amount as per terms and conditions which is not settled as on date and close the loan account. Please do the need full and oblige. I have availed again for my son now for edu in sidney under the same co lateral security @ 11% interest, but now from axis bank they are ready take over the same with 9.5% to 10% please advise
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