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Change. let me break it down for you. under the deal, student loan rates, subsidized stafford loans would be 3.86%. that s for undergrads. for grad students, about 5.4%. for parents it would be 6.4%. even though any movement in the rates would be tied to the market, there would be a cap on those movements. 8.25% for undergraduates. 9.5%, parents 10.5%. not all student loans. just new subsidized stafford loans. we re not sure when the senate will vote on this bill. students should, of course, talk to their student aid office about how this affects them. newest loan rates are retroactive. if you did take out loans after july 1st that means the newer rates will actually apply. good news all around. zain, thank you. i know that was a lot of information for viewers to take in. if you need to go through it with a fine toothed comb go to cnnmoney.com. thank you. this year s emmy nominations ....

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