The White House is pressing forward with a proposal that would give a new way to repay federal loans under much more lenient terms, lowering student loan payments for millions of Americans both now and in the future. The repayment program was unveiled in August by Joe Biden, but it was overshadowed by his far-reaching promise to reduce or eliminate student debt for 40 million Americans. Despite the payment plan’s modest visibility, some education experts believe it to be a more effective tool for lowering the cost of college, particularly for people with lower incomes. Officials from the Education Department…
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