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The current White House’s administration also has been trying to simplify it all for borrowers with loans

Borrowers can expect savings, but the banks aren’t required to give them today’s rock-bottom rates. Under the settlement, the new rate must be at least 0.25 percentage point

Under the settlement, the new rate must be at least 0.25 percentage point lower than the borrower’s existing rate, or decrease monthly payments by at least $100

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