Ok this might be the only "bright" side I see of this health care bill passing - the student loan reform tacked to it. Aside from the "direct lending" from the government, does anyone know how this bill will actually affect borrowers? Is there an expected interest rate reduction that goes along with it? I remember a few years ago there was a proposed bill that wanted to half the 6.8% rate to 3.4%. Anything like that now?