Interest rates

Here, from five months ago now: https://www.reddit.com/r/antiwork/comments/rhz6mi/wanna_know_1_huge_reason_why_they_wont_cancel/

Also, (just in case anyone here is new to it), here's an ELI5 for what student-loan asset-backed securities are: https://www.reddit.com/r/explainlikeimfive/comments/taj7k4/eli5_what_are_student_loan_assetbacked_securities/.

To be direct about answering your question, though, no. Interest rates can't decrease. With the way the system is structured, it'd bankrupt these financial institutions since they practically rely on asset-backed securities (i.e., people buying these packaged loans off them) just to continue running as a financial institution... making more loans... to repeat the cycle.

/r/StudentLoans Thread