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The bill, expected to be signed by the president, retroactively lowers most federal student loan interest rates from 6.8 percent to 3.86 percent. But it would let that rise as 10.5 percent in some cases in coming years. (Photo by JECO Photo via flickr/Creative Commons) (access required)

The bill, expected to be signed by the president, retroactively lowers most federal student loan interest rates from 6.8 percent to 3.86 percent. But it would let that rise as 10.5 percent in some cases in coming years. (Photo by JECO Photo via flickr/Creative Commons)

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