Luke: Sorry, I ran out of credit www payday advance com Using the higher discount rate in the fair-value approach leads to far different results. The CBO projects the federal direct loan program would cost the federal government $95 billion between 2013 and 2023 instead of earning $184 billion. payday loan debt solution While Congress has had an entire year to work out a proposal to stop the hike, Republican, Democratic and even bipartisan solutions haven't gained traction in the Senate. With immigration taking center stage on the Senate floor this week, it's unlikely anything will get to the president's desk before July 1 when the rates automatically double.