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Elizabeth: I'd like to cancel a cheque how to wean off 37.5 effexor The House passed the Smarter Solutions for Students Act in May that ties student loan interest rates to market-based rates. Democrats in the Senate said the plan was dead on arrival because it did not give students enough certainty. Under the GOP plan, the loan rate would not be locked in for the loan's life, but would be reset every year depending on the interest rate on U.S. Treasuries.