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Another excuse to question these commenters' assertions that this rule will cause added borrowing is usually that proof displays that borrowers typically have lower awareness or recognition of your IDR designs, suggesting that borrowers aren't contemplating these selections when building selections about no matter whether to borrow and exactly how

Numerous commenters expressed assist for granting entry to an IDR intend to borrowers in default but explained the Office should amend the phrases of IBR to raised align with the phrases with the REPAYE strategy, such as the quantity of earnings shielded from payments as well as the share of discretionary cash flow that goes towards payments. Along