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Federal student loans are provided to students or parents meeting eligibility criteria established by Federal law and regulation such that the protections afforded by this proposed rule would be unnecessary.
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Thus, for example, lenders operating in Florida are permitted to charge $10 per $100 loaned, and those same lenders, when lending in South Carolina, charge $15 per $100.
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While the speed and convenience fostered by the current practice may be reduced for these consumers under the proposed rule's requirements, the Bureau does not believe that the proposed requirements will be overly burdensome in this respect.
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A presumption of unaffordability also generally would apply if the consumer has shown or expressed difficulty in repaying other outstanding covered or non-covered loans made by the same lender or its affiliate.
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ZIP codes near Pensacola
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