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Your interest rate — APR — is the month-to-month charge you pay to borrow cash. APR is expressed annually, but because balances go down as you spend off your loan, the interest is broken down into smaller sized chunks and paid each and every month on top of your principal payment. Subsidized Loans are loans for undergraduate students with economic want, as determined by your cost of attendance minus expected family contribution and other economic aid . Subsidized Loans do not accrue interest when you are in school at least half-time or through deferment periods. There would be some perform involved to make certain that borrowers apply for IDR and are generating necessary payments. But the relief itself could be handled by the Education Division and student loan servicers.
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