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How much will it cost to send this letter to ? xtrasize opinie na forum The House plan, the Smarter Solutions for Students Act, links the student loan interest rates to a market-based rate plus an added 2.5 percent and dictates that the interest rates may never climb past 8.5 percent. The rates, however, would be adjusted annually and could vary throughout a loan's life. The president also suggested that rates be connected to Treasury notes plus an added .93 percent for need-based loans and 2.9 percent for non-need-based undergraduate loans.