Year treasury note. what they don't agree is the percentage of points to add on top of that. meantime, how do too yo studeno about planning and increased higher education costs will you can get a loan or not? >> students and families need certainty looking ahead to the coming school year about is your interest rate 3 about .4% or 6.8%. a big difference. equals a thousand dollars extra in student debt for every single year of school. you are right there is an underlying problem of college costs that we have to address. not just about student loans. student costs going up 4%, 5%, 7% every year a...