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But if the Fed starts worrying about inflation, policymakers may decide to raise rates to keep prices from rising too sharply.

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While a lower interest rate is good news, your new loan may not come with all the borrower benefits associated with government loans.

For example, borrowers with federal student loans can take advantage of federal income-driven repayment programs, or benefits like loan forgiveness, which borrowers with private student loans typically don’t have access to.

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