{ "legislationId": "119_HR_7810", "lastUpdate": "2026-03-25T12:38:31.896Z", "history": [ { "timestamp": "2026-03-25T12:38:31.896Z", "source_url": "https://www.congress.gov/119/bills/hr7810/BILLS-119hr7810ih.htm", "model": "gemini-3.1-pro-preview", "prompt_sent": "\nJesteś LEGISLATIVE SURGEON.\nTwoim zadaniem jest audyt i naprawa streszczenia (JSON) pod kątem zgodności z tekstem źródłowym (SOURCE).\nZASADA FUNDAMENTALNA: \"NO NEW INFORMATION\" (żadnych nowych informacji).\nStreszczenie może jedynie transformować informacje zawarte w SOURCE (skracać, tłumaczyć, sumować). Nie może generować nowych informacji, których nie ma w SOURCE.\n\nPROCEDURA WERYFIKACJI (wykonaj dla każdego zdania w JSON):\nZadaj sobie pytanie: \"Czy potrafię wskazać w SOURCE konkretny fragment, który potwierdza to stwierdzenie?\"\nJEŚLI ODPOWIEDŹ BRZMI \"TAK\":\nInformacja jest potwierdzona cytatem, synonimem lub wynikiem matematycznym z danych w tekście.\nDECYZJA: Zostaw bez zmian.\nJEŚLI ODPOWIEDŹ BRZMI \"NIE\":\nInformacji nie ma w tekście (jest to halucynacja, zewnętrzna wiedza modelu, nadinterpretacja lub niepotrzebna ekstrapolacja).\nDECYZJA: Usuń tę informację lub zmień ją tak, aby miała pokrycie w tekście.\nJEŚLI ODPOWIEDŹ BRZMI \"TO ZALEŻY\":\nTekst jest niejasny, a streszczenie \"zgaduje\" (np. podając konkretny przykład dla ogólnego terminu).\nDECYZJA: Bądź bezpieczny. Usuń zgadywanie. Użyj terminologii z tekstu.\n\nKATEGORIE RYZYKA (szczególna uwaga):\nDaty (start obowiązywania vs start finansowania).\nLiczby (konkretne kwoty muszą wynikać z tekstu).\nPodmioty (kto co robi).\nZakres (co ustawa obejmuje, a czego nie).\n\nINPUT:\n--- SOURCE_TEXT START ---\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 7810 Introduced in House (IH)] 119th CONGRESS 2d Session H. R. 7810 To amend the Higher Education Act of 1965 to set interest rates for Federal student loans made on or after July 1, 2026, at 2 percent, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 4, 2026 Mr. Thompson of California (for himself and Mr. Moylan) introduced the following bill; which was referred to the Committee on Education and Workforce _______________________________________________________________________ A BILL To amend the Higher Education Act of 1965 to set interest rates for Federal student loans made on or after July 1, 2026, at 2 percent, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Lowering Student Loans Act''. SEC. 2. INTEREST RATES FOR FEDERAL STUDENT LOANS. (a) Federal Direct Loans.--Section 455(b) of the Higher Education Act of 1965 (20 U.S.C. 1087e(b)) is amended-- (1) by redesignating paragraphs (9) and (10) as paragraphs (10) and (11), respectively; (2) in paragraph (8)-- (A) in the heading of such paragraph, by striking ``2013.'' and inserting ``2013 and before july 1, 2026.''; and (B) in subparagraphs (A) through (D), by inserting ``and before July 1, 2026,'' after ``July 1, 2013,''; and (3) by inserting after paragraph (8) the following: ``(9) Interest rate provisions for loans on or after july 1, 2026.-- ``(A) Rates for direct loans other than consolidation loans.-- ``(i) New loans.--Notwithstanding the preceding paragraphs of this subsection, for Federal Direct Stafford Loans, Federal Direct Unsubsidized Stafford Loans, and Federal Direct PLUS Loans (including such a loan made to a parent on behalf of a dependent student) for which the first disbursement is made on or after July 1, 2026, the applicable rate of interest shall be 2 percent on the unpaid principal balance of the loan. ``(ii) Existing loans.--Notwithstanding the preceding paragraphs of this subsection and subject to subparagraphs (C) and (D), with respect to a loan described in clause (i) for which the first disbursement was made before July 1, 2026, and for which the applicable rate of interest is greater than 2 percent, beginning on July 1, 2026, the applicable rate of interest for such loan shall be 2 percent on the unpaid principal balance of such loan. ``(B) Rates for consolidation loans.-- ``(i) New loans.--Notwithstanding the preceding paragraphs of this subsection, any Federal Direct Consolidation Loan for which the application is received on or after July 1, 2026, shall bear interest at an annual rate on the unpaid principal balance of the loan that is 2 percent. ``(ii) Existing loans.--Notwithstanding the preceding paragraphs of this subsection and subject to subparagraphs (C) and (D), any Federal Direct Consolidation Loan for which the application was received before July 1, 2026, and which bears interest at an annual rate on the unpaid principal balance of the loan that is greater than 2 percent, shall, beginning on July 1, 2026, bear interest at an annual rate on the unpaid principal balance of the loan that is 2 percent. ``(iii) FFEL consolidation loans.--A borrower of a consolidation loan made, insured, or guaranteed under part B may consolidate such loan into a Federal Direct Consolidation Loan under this part in accordance with section 428C(a)(3)(B)(i)(V). ``(C) Notice and opt out for existing loans.--With respect to each borrower with a loan described in subparagraph (A)(ii) or a Federal Direct Consolidation Loan described in subparagraph (B)(ii), the Secretary shall-- ``(i) not later than the date that is 90 days before July 1, 2026, provide to the borrower notice of the adjustment of the applicable rate of interest for such a loan pursuant to this paragraph, which shall include information relating to opting out of such adjustment as described in clause (ii); and ``(ii) allow the borrower to, not later than 90 days after receiving such notice, opt out of such adjustment. ``(D) Terms and conditions.--Except as expressly provided in subparagraphs (A) and (B), nothing in this paragraph may be construed to alter or affect the terms, conditions, or benefits of a loan described in this paragraph. ``(E) Rate.--The applicable rate of interest under this paragraph for Federal Direct Stafford Loans, Federal Direct Unsubsidized Stafford Loans, Federal Direct PLUS Loans (including such a loan made to a parent on behalf of a dependent student), and Federal Direct Consolidation Loans shall be fixed for the period of the loan. ``(F) Loan servicers.--Not later than the date that is 90 days before July 1, 2026, the Secretary shall-- ``(i) notify student loan servicers of the rate adjustments for all loans pursuant to this paragraph; and ``(ii) establish a borrower complaint resolution process with respect to any errors or delays relating to such adjustments.''. (b) FFEL Loans.--Section 428C(a)(3)(B)(i)(V) of the Higher Education Act of 1965 (20 U.S.C. 1078-3(a)(3)(B)(i)(V)) is amended-- (1) in item (cc), by striking the period at the end and inserting a semicolon; (2) in item (dd), by striking the period at the end and inserting ``; and''; and (3) by adding at the end the following: ``(ee) for the purpose of being eligible for the annual interest rate described in section 455(b)(9)(C).''. \n--- SOURCE_TEXT END ---\n\n--- FLAGGED_JSON START ---\n{\n \"pl_ai_title\": \"Obniżenie oprocentowania federalnych kredytów studenckich do 2 procent\",\n \"pl_summary\": \"Ustawa wprowadza stałe oprocentowanie w wysokości 2% dla federalnych kredytów studenckich od lipca 2026 roku. Zmiana obejmie zarówno nowe pożyczki, jak i te już spłacane, co znacząco obniży koszty spłaty długu edukacyjnego dla milionów osób.\",\n \"pl_key_points\": [\n \"Stałe oprocentowanie 2% dla nowych i obecnych federalnych kredytów studenckich.\",\n \"Automatyczne obniżenie wyższych stawek procentowych od 1 lipca 2026 roku.\",\n \"Możliwość konsolidacji starszych pożyczek (FFEL) w celu uzyskania niższego oprocentowania.\",\n \"Obowiązek powiadomienia pożyczkobiorców o zmianach z 90-dniowym wyprzedzeniem.\",\n \"Prawo do rezygnacji z obniżki oraz utworzenie systemu zgłaszania błędów i skarg.\"\n ],\n \"eng_ai_title\": \"Lowering Federal Student Loan Interest Rates to 2 Percent\",\n \"eng_summary\": \"This bill sets a fixed 2% interest rate for all federal student loans starting July 1, 2026. It applies to both new loans and existing ones with higher rates, helping borrowers save money on their education debt.\",\n \"eng_key_points\": [\n \"Fixed 2% interest rate for new and existing federal student loans.\",\n \"Automatic reduction of interest rates higher than 2% starting July 1, 2026.\",\n \"Option to consolidate older loans to qualify for the lower 2% rate.\",\n \"Borrowers must be notified of the rate adjustment 90 days in advance.\",\n \"Right to opt out of the adjustment and access to a new complaint resolution process.\"\n ],\n \"de_ai_title\": \"Senkung der Zinsen für Bundesstudienkredite auf 2 Prozent\",\n \"de_summary\": \"Dieses Gesetz legt ab dem 1. Juli 2026 einen festen Zinssatz von 2 % für alle staatlichen Studienkredite fest. Dies gilt sowohl für neue als auch für bestehende Kredite mit höheren Zinsen und entlastet Kreditnehmer finanziell.\",\n \"de_key_points\": [\n \"Fester Zinssatz von 2 % für neue und bestehende Bundesstudienkredite.\",\n \"Automatische Senkung höherer Zinssätze ab dem 1. Juli 2026.\",\n \"Möglichkeit zur Konsolidierung älterer Kredite, um den 2 %-Satz zu erhalten.\",\n \"Informationspflicht gegenüber Kreditnehmern 90 Tage vor Inkrafttreten der Änderung.\",\n \"Recht auf Verzicht auf die Anpassung und Einrichtung eines Beschwerdeverfahrens.\"\n ],\n \"fr_ai_title\": \"Réduction des taux d'intérêt des prêts étudiants fédéraux à 2 %\",\n \"fr_summary\": \"Ce projet de loi fixe un taux d'intérêt fixe de 2 % pour tous les prêts étudiants fédéraux à partir du 1er juillet 2026. Il s'applique aux nouveaux prêts ainsi qu'aux prêts existants ayant des taux plus élevés, réduisant ainsi le coût de l'éducation.\",\n \"fr_key_points\": [\n \"Taux d'intérêt fixe de 2 % pour les prêts étudiants fédéraux neufs et existants.\",\n \"Réduction automatique des taux supérieurs à 2 % dès le 1er juillet 2026.\",\n \"Possibilité de regrouper les anciens prêts pour bénéficier du taux de 2 %.\",\n \"Notification obligatoire des emprunteurs 90 jours avant le changement de taux.\",\n \"Droit de refuser l'ajustement et création d'une procédure de réclamation pour les erreurs.\"\n ],\n \"es_ai_title\": \"Reducción de los intereses de préstamos estudiantiles federales al 2 por ciento\",\n \"es_summary\": \"Esta ley establece una tasa de interés fija del 2 % para todos los préstamos estudiantiles federales a partir de julio de 2026. Beneficia tanto a los nuevos préstamos como a los actuales con tasas más altas, reduciendo el costo de la deuda educativa.\",\n \"es_key_points\": [\n \"Tasa de interés fija del 2 % para préstamos estudiantiles federales nuevos y existentes.\",\n \"Reducción automática de intereses superiores al 2 % desde el 1 de julio de 2026.\",\n \"Opción de consolidar préstamos antiguos para acceder a la tasa del 2 %.\",\n \"Notificación obligatoria a los prestatarios 90 días antes del cambio.\",\n \"Derecho a renunciar al ajuste y creación de un proceso para resolver quejas.\"\n ],\n \"it_ai_title\": \"Riduzione dei tassi d'interesse sui prestiti studenteschi federali al 2%\",\n \"it_summary\": \"Questa legge fissa un tasso d'interesse del 2% per tutti i prestiti studenteschi federali a partire dal 1° luglio 2026. Si applica sia ai nuovi prestiti che a quelli esistenti con tassi più elevati, riducendo il peso del debito scolastico.\",\n \"it_key_points\": [\n \"Tasso d'interesse fisso al 2% per prestiti studenteschi federali nuovi ed esistenti.\",\n \"Riduzione automatica dei tassi superiori al 2% dal 1° luglio 2026.\",\n \"Possibilità di consolidare i vecchi prestiti per ottenere la tariffa agevolata del 2%.\",\n \"Obbligo di notifica ai mutuatari 90 giorni prima della modifica del tasso.\",\n \"Diritto di rinuncia all'adeguamento e istituzione di un processo di risoluzione dei reclami.\"\n ],\n \"nl_ai_title\": \"Verlaging van de rente op federale studieleningen naar 2 procent\",\n \"nl_summary\": \"Deze wet stelt vanaf 1 juli 2026 een vaste rente van 2% in voor alle federale studieleningen. Dit geldt voor zowel nieuwe leningen als bestaande leningen met een hogere rente, wat de kosten van onderwijs verlaagt.\",\n \"nl_key_points\": [\n \"Vaste rente van 2% voor nieuwe en bestaande federale studieleningen.\",\n \"Automatische verlaging van rentetarieven boven de 2% vanaf 1 juli 2026.\",\n \"Mogelijkheid om oude leningen te consolideren om het 2%-tarief te krijgen.\",\n \"Verplichte kennisgeving aan leners 90 dagen voor de wijziging plaatsvindt.\",\n \"Recht om af te zien van de aanpassing en oprichting van een klachtenprocedure.\"\n ],\n \"pt_ai_title\": \"Redução das taxas de juro dos empréstimos estudantis federais para 2 por cento\",\n \"pt_summary\": \"Esta lei estabelece uma taxa de juro fixa de 2% para todos os empréstimos estudantis federais a partir de julho de 2026. Aplica-se a novos empréstimos e a empréstimos existentes com taxas superiores, reduzindo o custo da dívida educativa.\",\n \"pt_key_points\": [\n \"Taxa de juro fixa de 2% para empréstimos estudantis federais novos e existentes.\",\n \"Redução automática de taxas superiores a 2% a partir de 1 de julho de 2026.\",\n \"Opção de consolidar empréstimos antigos para obter a taxa de 2%.\",\n \"Notificação obrigatória dos mutuários 90 dias antes da alteração da taxa.\",\n \"Direito de exclusão do ajuste e criação de um processo de resolução de reclamações.\"\n ],\n \"category\": [\n \"Education\"\n ]\n}\n--- FLAGGED_JSON END ---\n\nOUTPUT:\nWyłącznie naprawiony obiekt JSON zgodny ze strukturą:\n{\n \"pl_ai_title\": \"...\", \"pl_summary\": \"...\", \"pl_key_points\": [...],\n \"eng_ai_title\": \"...\", \"eng_summary\": \"...\", \"eng_key_points\": [...],\n \"de_ai_title\": \"...\", \"de_summary\": \"...\", \"de_key_points\": [...],\n \"fr_ai_title\": \"...\", \"fr_summary\": \"...\", \"fr_key_points\": [...],\n \"es_ai_title\": \"...\", \"es_summary\": \"...\", \"es_key_points\": [...],\n \"it_ai_title\": \"...\", \"it_summary\": \"...\", \"it_key_points\": [...],\n \"nl_ai_title\": \"...\", \"nl_summary\": \"...\", \"nl_key_points\": [...],\n \"pt_ai_title\": \"...\", \"pt_summary\": \"...\", \"pt_key_points\": [...],\n \"category\": [\"...\"]\n}\n\n", "ai_response_raw": "{\n \"pl_ai_title\": \"Obniżenie oprocentowania federalnych kredytów studenckich do 2 procent\",\n \"pl_summary\": \"Ustawa wprowadza stałe oprocentowanie w wysokości 2% dla federalnych kredytów studenckich od 1 lipca 2026 roku. Zmiana obejmie zarówno nowe pożyczki, jak i te już spłacane, których oprocentowanie jest wyższe niż 2%.\",\n \"pl_key_points\": [\n \"Stałe oprocentowanie 2% dla nowych i obecnych federalnych kredytów studenckich.\",\n \"Automatyczne obniżenie wyższych stawek procentowych od 1 lipca 2026 roku.\",\n \"Możliwość konsolidacji starszych pożyczek (FFEL) w celu uzyskania niższego oprocentowania.\",\n \"Obowiązek powiadomienia pożyczkobiorców o zmianach z 90-dniowym wyprzedzeniem.\",\n \"Prawo do rezygnacji z obniżki oraz utworzenie systemu zgłaszania błędów i skarg.\"\n ],\n \"eng_ai_title\": \"Lowering Federal Student Loan Interest Rates to 2 Percent\",\n \"eng_summary\": \"This bill sets a fixed 2% interest rate for federal student loans starting July 1, 2026. It applies to both new loans and existing ones with interest rates higher than 2%.\",\n \"eng_key_points\": [\n \"Fixed 2% interest rate for new and existing federal student loans.\",\n \"Automatic reduction of interest rates higher than 2% starting July 1, 2026.\",\n \"Option to consolidate older loans (FFEL) to qualify for the lower rate.\",\n \"Borrowers must be notified of the rate adjustment 90 days in advance.\",\n \"Right to opt out of the adjustment and access to a new complaint resolution process.\"\n ],\n \"de_ai_title\": \"Senkung der Zinsen für Bundesstudienkredite auf 2 Prozent\",\n \"de_summary\": \"Dieses Gesetz legt ab dem 1. Juli 2026 einen festen Zinssatz von 2 % für staatliche Studienkredite fest. Dies gilt sowohl für neue als auch für bestehende Kredite mit Zinssätzen von über 2 %.\",\n \"de_key_points\": [\n \"Fester Zinssatz von 2 % für neue und bestehende Bundesstudienkredite.\",\n \"Automatische Senkung höherer Zinssätze ab dem 1. Juli 2026.\",\n \"Möglichkeit zur Konsolidierung älterer Kredite (FFEL), um den niedrigeren Satz zu erhalten.\",\n \"Informationspflicht gegenüber Kreditnehmern 90 Tage vor Inkrafttreten der Änderung.\",\n \"Recht auf Verzicht auf die Anpassung und Einrichtung eines Beschwerdeverfahrens.\"\n ],\n \"fr_ai_title\": \"Réduction des taux d'intérêt des prêts étudiants fédéraux à 2 %\",\n \"fr_summary\": \"Ce projet de loi fixe un taux d'intérêt fixe de 2 % pour les prêts étudiants fédéraux à partir du 1er juillet 2026. Il s'applique aux nouveaux prêts ainsi qu'aux prêts existants ayant des taux supérieurs à 2 %.\",\n \"fr_key_points\": [\n \"Taux d'intérêt fixe de 2 % pour les prêts étudiants fédéraux neufs et existants.\",\n \"Réduction automatique des taux supérieurs à 2 % dès le 1er juillet 2026.\",\n \"Possibilité de regrouper les anciens prêts (FFEL) pour bénéficier du taux inférieur.\",\n \"Notification obligatoire des emprunteurs 90 jours avant le changement de taux.\",\n \"Droit de refuser l'ajustement et création d'une procédure de résolution des réclamations.\"\n ],\n \"es_ai_title\": \"Reducción de los intereses de préstamos estudiantiles federales al 2 por ciento\",\n \"es_summary\": \"Esta ley establece una tasa de interés fija del 2 % para los préstamos estudiantiles federales a partir del 1 de julio de 2026. Se aplica tanto a los nuevos préstamos como a los actuales con tasas superiores al 2 %.\",\n \"es_key_points\": [\n \"Tasa de interés fija del 2 % para préstamos estudiantiles federales nuevos y existentes.\",\n \"Reducción automática de intereses superiores al 2 % desde el 1 de julio de 2026.\",\n \"Opción de consolidar préstamos antiguos (FFEL) para acceder a la tasa más baja.\",\n \"Notificación obligatoria a los prestatarios 90 días antes del cambio.\",\n \"Derecho a renunciar al ajuste y creación de un proceso para resolver quejas.\"\n ],\n \"it_ai_title\": \"Riduzione dei tassi d'interesse sui prestiti studenteschi federali al 2%\",\n \"it_summary\": \"Questa legge fissa un tasso d'interesse fisso del 2% per i prestiti studenteschi federali a partire dal 1° luglio 2026. Si applica sia ai nuovi prestiti che a quelli esistenti con tassi superiori al 2%.\",\n \"it_key_points\": [\n \"Tasso d'interesse fisso al 2% per prestiti studenteschi federali nuovi ed esistenti.\",\n \"Riduzione automatica dei tassi superiori al 2% dal 1° luglio 2026.\",\n \"Possibilità di consolidare i vecchi prestiti (FFEL) per ottenere la tariffa agevolata.\",\n \"Obbligo di notifica ai mutuatari 90 giorni prima della modifica del tasso.\",\n \"Diritto di rinuncia all'adeguamento e istituzione di un processo di risoluzione dei reclami.\"\n ],\n \"nl_ai_title\": \"Verlaging van de rente op federale studieleningen naar 2 procent\",\n \"nl_summary\": \"Deze wet stelt vanaf 1 juli 2026 een vaste rente van 2% in voor federale studieleningen. Dit geldt voor zowel nieuwe leningen als bestaande leningen met een rente hoger dan 2%.\",\n \"nl_key_points\": [\n \"Vaste rente van 2% voor nieuwe en bestaande federale studieleningen.\",\n \"Automatische verlaging van rentetarieven boven de 2% vanaf 1 juli 2026.\",\n \"Mogelijkheid om oude leningen (FFEL) te consolideren om het lagere tarief te krijgen.\",\n \"Verplichte kennisgeving aan leners 90 dagen voor de wijziging plaatsvindt.\",\n \"Recht om af te zien van de aanpassing en oprichting van een klachtenprocedure.\"\n ],\n \"pt_ai_title\": \"Redução das taxas de juro dos empréstimos estudantis federais para 2 por cento\",\n \"pt_summary\": \"Esta lei estabelece uma taxa de juro fixa de 2% para os empréstimos estudantis federais a partir de 1 de julho de 2026. Aplica-se a novos empréstimos e a empréstimos existentes com taxas superiores a 2%.\",\n \"pt_key_points\": [\n \"Taxa de juro fixa de 2% para empréstimos estudantis federais novos e existentes.\",\n \"Redução automática de taxas superiores a 2% a partir de 1 de julho de 2026.\",\n \"Opção de consolidar empréstimos antigos (FFEL) para obter a taxa mais baixa.\",\n \"Notificação obrigatória dos mutuários 90 dias antes da alteração da taxa.\",\n \"Direito de exclusão do ajuste e criação de um processo de resolução de reclamações.\"\n ],\n \"category\": [\n \"Education\"\n ]\n}" }, { "timestamp": "2026-03-25T12:26:57.277Z", "source_url": "https://www.congress.gov/119/bills/hr7810/BILLS-119hr7810ih.htm", "model": "gemini-flash-lite-latest", "prompt_sent": "\nROLE: Fact Checker.\nZADANIE: Porównaj SOURCE (oryginał) i SUMMARY (streszczenie przygotowane przez inne AI).\n\nTwoim celem jest wykrycie \"ZMYŚLONYCH KONKRETÓW\" (Fabricated Entities) w SUMMARY.\n\nSOURCE:\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 7810 Introduced in House (IH)] 119th CONGRESS 2d Session H. R. 7810 To amend the Higher Education Act of 1965 to set interest rates for Federal student loans made on or after July 1, 2026, at 2 percent, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 4, 2026 Mr. Thompson of California (for himself and Mr. Moylan) introduced the following bill; which was referred to the Committee on Education and Workforce _______________________________________________________________________ A BILL To amend the Higher Education Act of 1965 to set interest rates for Federal student loans made on or after July 1, 2026, at 2 percent, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Lowering Student Loans Act''. SEC. 2. INTEREST RATES FOR FEDERAL STUDENT LOANS. (a) Federal Direct Loans.--Section 455(b) of the Higher Education Act of 1965 (20 U.S.C. 1087e(b)) is amended-- (1) by redesignating paragraphs (9) and (10) as paragraphs (10) and (11), respectively; (2) in paragraph (8)-- (A) in the heading of such paragraph, by striking ``2013.'' and inserting ``2013 and before july 1, 2026.''; and (B) in subparagraphs (A) through (D), by inserting ``and before July 1, 2026,'' after ``July 1, 2013,''; and (3) by inserting after paragraph (8) the following: ``(9) Interest rate provisions for loans on or after july 1, 2026.-- ``(A) Rates for direct loans other than consolidation loans.-- ``(i) New loans.--Notwithstanding the preceding paragraphs of this subsection, for Federal Direct Stafford Loans, Federal Direct Unsubsidized Stafford Loans, and Federal Direct PLUS Loans (including such a loan made to a parent on behalf of a dependent student) for which the first disbursement is made on or after July 1, 2026, the applicable rate of interest shall be 2 percent on the unpaid principal balance of the loan. ``(ii) Existing loans.--Notwithstanding the preceding paragraphs of this subsection and subject to subparagraphs (C) and (D), with respect to a loan described in clause (i) for which the first disbursement was made before July 1, 2026, and for which the applicable rate of interest is greater than 2 percent, beginning on July 1, 2026, the applicable rate of interest for such loan shall be 2 percent on the unpaid principal balance of such loan. ``(B) Rates for consolidation loans.-- ``(i) New loans.--Notwithstanding the preceding paragraphs of this subsection, any Federal Direct Consolidation Loan for which the application is received on or after July 1, 2026, shall bear interest at an annual rate on the unpaid principal balance of the loan that is 2 percent. ``(ii) Existing loans.--Notwithstanding the preceding paragraphs of this subsection and subject to subparagraphs (C) and (D), any Federal Direct Consolidation Loan for which the application was received before July 1, 2026, and which bears interest at an annual rate on the unpaid principal balance of the loan that is greater than 2 percent, shall, beginning on July 1, 2026, bear interest at an annual rate on the unpaid principal balance of the loan that is 2 percent. ``(iii) FFEL consolidation loans.--A borrower of a consolidation loan made, insured, or guaranteed under part B may consolidate such loan into a Federal Direct Consolidation Loan under this part in accordance with section 428C(a)(3)(B)(i)(V). ``(C) Notice and opt out for existing loans.--With respect to each borrower with a loan described in subparagraph (A)(ii) or a Federal Direct Consolidation Loan described in subparagraph (B)(ii), the Secretary shall-- ``(i) not later than the date that is 90 days before July 1, 2026, provide to the borrower notice of the adjustment of the applicable rate of interest for such a loan pursuant to this paragraph, which shall include information relating to opting out of such adjustment as described in clause (ii); and ``(ii) allow the borrower to, not later than 90 days after receiving such notice, opt out of such adjustment. ``(D) Terms and conditions.--Except as expressly provided in subparagraphs (A) and (B), nothing in this paragraph may be construed to alter or affect the terms, conditions, or benefits of a loan described in this paragraph. ``(E) Rate.--The applicable rate of interest under this paragraph for Federal Direct Stafford Loans, Federal Direct Unsubsidized Stafford Loans, Federal Direct PLUS Loans (including such a loan made to a parent on behalf of a dependent student), and Federal Direct Consolidation Loans shall be fixed for the period of the loan. ``(F) Loan servicers.--Not later than the date that is 90 days before July 1, 2026, the Secretary shall-- ``(i) notify student loan servicers of the rate adjustments for all loans pursuant to this paragraph; and ``(ii) establish a borrower complaint resolution process with respect to any errors or delays relating to such adjustments.''. (b) FFEL Loans.--Section 428C(a)(3)(B)(i)(V) of the Higher Education Act of 1965 (20 U.S.C. 1078-3(a)(3)(B)(i)(V)) is amended-- (1) in item (cc), by striking the period at the end and inserting a semicolon; (2) in item (dd), by striking the period at the end and inserting ``; and''; and (3) by adding at the end the following: ``(ee) for the purpose of being eligible for the annual interest rate described in section 455(b)(9)(C).''. \n\nSUMMARY TO EVALUATE:\nTitle: Lowering Federal Student Loan Interest Rates to 2 Percent\nSummary: This bill sets a fixed 2% interest rate for all federal student loans starting July 1, 2026. It applies to both new loans and existing ones with higher rates, helping borrowers save money on their education debt.\nKey Points: Fixed 2% interest rate for new and existing federal student loans., Automatic reduction of interest rates higher than 2% starting July 1, 2026., Option to consolidate older loans to qualify for the lower 2% rate., Borrowers must be notified of the rate adjustment 90 days in advance., Right to opt out of the adjustment and access to a new complaint resolution process.\n\nZASADY OCENY:\n1. Sprawdź wszystkie LICZBY, DATY i KWOTY w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n2. Sprawdź wszystkie NAZWISKA, ORGANIZACJE i MIEJSCA w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n3. Sprawdź wszystkie konkretne DZIAŁANIA PRAWNE . Jeśli tego mechanizmu nie ma w SOURCE -> is_valid: false.\n\nWAŻNE: Abstrakcyjne pojęcia (np. \"transparentność\", \"zaufanie\") są dozwolone jako wnioski.\n\nOUTPUT (JSON):\n{\n \"is_valid\": true/false,\n \"issue\": \"fabricated_entity\" / \"contradiction\" / \"none\"\n}\n\nWYMAGANIA FORMATOWANIA:\n1. Odpowiedz WYŁĄCZNIE surowym obiektem JSON.\n2. NIE używaj bloków kodu Markdown.\n3. NIE dodawaj żadnych wstępów ani wyjaśnień przed ani po JSONie.\n4. JSON musi być poprawny i gotowy do parsowania.\n\n", "ai_response_raw": "{\n \"is_valid\": false,\n \"issue\": \"fabricated_entity\"\n}" }, { "timestamp": "2026-03-25T12:15:31.054Z", "source_url": "https://www.congress.gov/119/bills/hr7810/BILLS-119hr7810ih.htm", "model": "gemini-flash-latest", "prompt_sent": "\nJesteś ekspertem od prawa Stanów Zjednoczonych, który ma za zadanie analizować dokumenty ustaw, uchwał oraz innych dokumentów legislacyjnych, a następnie przygotowywać z nich informacje w przystępny sposób dla obywateli. Twoim celem jest przedstawienie informacji tak, aby obywatele mogli sami ocenić wpływ legislacji na ich życie, nawet bez posiadania specjalistycznej wiedzy legislacyjnej. Skup się na faktach i obiektywnych skutkach wprowadzanych zmian, unikając wartościowania i osobistych opinii. Wszelki żargon prawny jest zabroniony. Prezentuj informacje w jasny, zwięzły i angażujący sposób, tak aby były zrozumiałe dla osoby bez wykształcenia prawniczego. Unikaj długich, złożonych zdań. Zamiast pisać \"projekt ma na celu nowelizację kodeksu podatkowego...\", napisz \"Zmiany w podatkach: nowe ulgi i obowiązki dla...\". Kontynuuj swoją pracę, dopóki nie rozwiążesz swojego zadania. Jeśli nie masz pewności co do generowanej treści, przeanalizuj dokument ponownie – nie zgaduj. Rozplanuj dobrze swoje zadanie przed przystąpieniem do niego. W podsumowaniu i kluczowych punktach, jeśli to możliwe i uzasadnione, podkreśl, jakie konkretne korzyści lub skutki (pozytywne lub negatywne) wprowadza ustawa dla życia codziennego obywateli, ich praw i obowiązków, finansów osobistych, bezpieczeństwa i innych ważnych kwestii (np. kategorycznych zakazów i nakazów czy najważniejszych konkretnych alokacji finansowych i terytorialnych).\n\nTwoja odpowiedź MUSI być w formacie JSON - i zawierać następujące klucze.\nZanim zwrócisz odpowiedź, dokładnie zweryfikuj, czy cała struktura JSON jest w 100% poprawna, włącznie ze wszystkimi przecinkami, nawiasami klamrowymi, kwadratowymi oraz cudzysłowami. Błędny JSON jest nieakceptowalny i uniemożliwi przetworzenie Twojej pracy.\n\nPrzeanalizuj dokładnie poniższy tekst dokumentu prawnego. To jest treść, na podstawie której masz wygenerować podsumowanie i kluczowe punkty:\n--- POCZĄTEK DOKUMENTU ---\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 7810 Introduced in House (IH)] 119th CONGRESS 2d Session H. R. 7810 To amend the Higher Education Act of 1965 to set interest rates for Federal student loans made on or after July 1, 2026, at 2 percent, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 4, 2026 Mr. Thompson of California (for himself and Mr. Moylan) introduced the following bill; which was referred to the Committee on Education and Workforce _______________________________________________________________________ A BILL To amend the Higher Education Act of 1965 to set interest rates for Federal student loans made on or after July 1, 2026, at 2 percent, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Lowering Student Loans Act''. SEC. 2. INTEREST RATES FOR FEDERAL STUDENT LOANS. (a) Federal Direct Loans.--Section 455(b) of the Higher Education Act of 1965 (20 U.S.C. 1087e(b)) is amended-- (1) by redesignating paragraphs (9) and (10) as paragraphs (10) and (11), respectively; (2) in paragraph (8)-- (A) in the heading of such paragraph, by striking ``2013.'' and inserting ``2013 and before july 1, 2026.''; and (B) in subparagraphs (A) through (D), by inserting ``and before July 1, 2026,'' after ``July 1, 2013,''; and (3) by inserting after paragraph (8) the following: ``(9) Interest rate provisions for loans on or after july 1, 2026.-- ``(A) Rates for direct loans other than consolidation loans.-- ``(i) New loans.--Notwithstanding the preceding paragraphs of this subsection, for Federal Direct Stafford Loans, Federal Direct Unsubsidized Stafford Loans, and Federal Direct PLUS Loans (including such a loan made to a parent on behalf of a dependent student) for which the first disbursement is made on or after July 1, 2026, the applicable rate of interest shall be 2 percent on the unpaid principal balance of the loan. ``(ii) Existing loans.--Notwithstanding the preceding paragraphs of this subsection and subject to subparagraphs (C) and (D), with respect to a loan described in clause (i) for which the first disbursement was made before July 1, 2026, and for which the applicable rate of interest is greater than 2 percent, beginning on July 1, 2026, the applicable rate of interest for such loan shall be 2 percent on the unpaid principal balance of such loan. ``(B) Rates for consolidation loans.-- ``(i) New loans.--Notwithstanding the preceding paragraphs of this subsection, any Federal Direct Consolidation Loan for which the application is received on or after July 1, 2026, shall bear interest at an annual rate on the unpaid principal balance of the loan that is 2 percent. ``(ii) Existing loans.--Notwithstanding the preceding paragraphs of this subsection and subject to subparagraphs (C) and (D), any Federal Direct Consolidation Loan for which the application was received before July 1, 2026, and which bears interest at an annual rate on the unpaid principal balance of the loan that is greater than 2 percent, shall, beginning on July 1, 2026, bear interest at an annual rate on the unpaid principal balance of the loan that is 2 percent. ``(iii) FFEL consolidation loans.--A borrower of a consolidation loan made, insured, or guaranteed under part B may consolidate such loan into a Federal Direct Consolidation Loan under this part in accordance with section 428C(a)(3)(B)(i)(V). ``(C) Notice and opt out for existing loans.--With respect to each borrower with a loan described in subparagraph (A)(ii) or a Federal Direct Consolidation Loan described in subparagraph (B)(ii), the Secretary shall-- ``(i) not later than the date that is 90 days before July 1, 2026, provide to the borrower notice of the adjustment of the applicable rate of interest for such a loan pursuant to this paragraph, which shall include information relating to opting out of such adjustment as described in clause (ii); and ``(ii) allow the borrower to, not later than 90 days after receiving such notice, opt out of such adjustment. ``(D) Terms and conditions.--Except as expressly provided in subparagraphs (A) and (B), nothing in this paragraph may be construed to alter or affect the terms, conditions, or benefits of a loan described in this paragraph. ``(E) Rate.--The applicable rate of interest under this paragraph for Federal Direct Stafford Loans, Federal Direct Unsubsidized Stafford Loans, Federal Direct PLUS Loans (including such a loan made to a parent on behalf of a dependent student), and Federal Direct Consolidation Loans shall be fixed for the period of the loan. ``(F) Loan servicers.--Not later than the date that is 90 days before July 1, 2026, the Secretary shall-- ``(i) notify student loan servicers of the rate adjustments for all loans pursuant to this paragraph; and ``(ii) establish a borrower complaint resolution process with respect to any errors or delays relating to such adjustments.''. (b) FFEL Loans.--Section 428C(a)(3)(B)(i)(V) of the Higher Education Act of 1965 (20 U.S.C. 1078-3(a)(3)(B)(i)(V)) is amended-- (1) in item (cc), by striking the period at the end and inserting a semicolon; (2) in item (dd), by striking the period at the end and inserting ``; and''; and (3) by adding at the end the following: ``(ee) for the purpose of being eligible for the annual interest rate described in section 455(b)(9)(C).''. \n--- KONIEC DOKUMENTU ---\n\nPAMIĘTAJ: Twoja odpowiedź MUSI być wyłącznie poprawnym obiektem JSON. Nie dodawaj żadnych dodatkowych znaków, komentarzy ani tekstu przed znacznikiem '{' ani po znaczniku '}'. Cała odpowiedź musi być parsowalna jako JSON.\nNa podstawie POWYŻSZEGO dokumentu, wypełnij poniższą strukturę JSON:\nOto struktura JSON, której oczekuję (wypełnij ją treścią):\n{\n \"pl_ai_title\": \"Nowy, krótki tytuł dla aktu prawnego po polsku, oddający sedno wprowadzanych zmian (np. maksymalnie 10-12 słów).\",\n \"pl_summary\": \"2-3 zdania zwięzłego podsumowania treści aktu prawnego po polsku, napisane z perspektywy wpływu na życie codzienne obywateli.\",\n \"pl_key_points\": [\n \"Pierwszy krótki punkt po polsku dotyczący najważniejszych wprowadzanych rozwiązań lub zmian.\",\n \"Drugi krótki punkt po polsku...\"\n ],\n \"eng_ai_title\": \"A new, short title for the legal act in English, capturing the essence of the changes (e.g., max 10-12 words).\",\n \"eng_summary\": \"2-3 sentences summarizing the legal act in English, from the perspective of its impact on citizens' daily lives.\",\n \"eng_key_points\": [\n \"First short bullet point in English regarding the most important solutions or changes being introduced.\",\n \"Second short bullet point in English...\"\n ],\n \"de_ai_title\": \"Ein neuer, kurzer Titel für das Rechtsdokument auf Deutsch, der den Kern der Änderungen erfasst (z.B. max. 10-12 Wörter).\",\n \"de_summary\": \"2-3 Sätze Zusammenfassung des Rechtsdokuments auf Deutsch, aus der Perspektive seiner Auswirkungen auf das tägliche Leben der Bürger.\",\n \"de_key_points\": [\n \"Erster kurzer Stichpunkt auf Deutsch zu den wichtigsten eingeführten Lösungen oder Änderungen.\",\n \"Zweiter kurzer Stichpunkt auf Deutsch...\"\n ],\n \"fr_ai_title\": \"Un nouveau titre court pour l'acte juridique en français, saisissant l'essence des changements (par exemple, 10-12 mots maximum).\",\n \"fr_summary\": \"Résumé de 2-3 phrases de l'acte juridique en français, du point de vue de son impact sur la vie quotidienne des citoyens.\",\n \"fr_key_points\": [\n \"Premier court point en français concernant les solutions ou changements les plus importants introduits.\",\n \"Deuxième court point en français...\"\n ],\n \"es_ai_title\": \"Un nuevo título breve para el acto jurídico en español, que recoja la esencia de los cambios (por ejemplo, máximo 10-12 palabras).\",\n \"es_summary\": \"Resumen de 2-3 frases del acto jurídico en español, desde la perspectiva de su impacto en la vida cotidiana de los ciudadanos.\",\n \"es_key_points\": [\n \"Primer punto breve en español sobre las soluciones o cambios más importantes que se introducen.\",\n \"Segundo punto breve en español...\"\n ],\n \"it_ai_title\": \"Un nuovo titolo breve per l'atto giuridico in italiano, che colga l'essenza delle modifiche (ad es. massimo 10-12 parole).\",\n \"it_summary\": \"Riepilogo di 2-3 frasi dell'atto giuridico in italiano, dal punto di vista del suo impatto sulla vita quotidiana dei cittadini.\",\n \"it_key_points\": [\n \"Primo breve punto in italiano riguardante le soluzioni o le modifiche più importanti introdotte.\",\n \"Secondo breve punto in italiano...\"\n ],\n \"nl_ai_title\": \"Een nieuwe, korte titel voor de rechtshandeling in het Nederlands, die de essentie van de wijzigingen weergeeft (bijv. max. 10-12 woorden).\",\n \"nl_summary\": \"Samenvatting van 2-3 zinnen van de rechtshandeling in het Nederlands, vanuit het perspectief van de impact op het dagelijks leven van burgers.\",\n \"nl_key_points\": [\n \"Eerste korte punt in het Nederlands betreffende de belangrijkste geïntroduceerde oplossingen of wijzigingen.\",\n \"Tweede korte punt in het Nederlands...\"\n ],\n \"pt_ai_title\": \"Um novo título curto para o ato jurídico em português, capturando a essência das mudanças (por exemplo, máx. 10-12 palavras).\",\n \"pt_summary\": \"Resumo de 2-3 frases do ato jurídico em português, na perspetiva do seu impacto na vida quotidiana dos cidadãos.\",\n \"pt_key_points\": [\n \"Primeiro ponto curto em português sobre as soluções ou alterações mais importantes introduzidas.\",\n \"Segundo ponto curto em português...\"\n ],\n \"category\": [\"Categorize the document into one category by default, based on the field it primarily concerns. Choose up to 3 if the document also touches upon SIGNIFICANT issues from other categories. You MUST select categories ONLY from the following list: Health, Education, Family, Taxes, Labor, Security, Environment, Courts and Law, Transport, Benefits, Real Estate, Media and Culture, Local Government, Migration, Agriculture, Public Investments, Informatization, Economy. If the document does not definitively fit any of these, you MUST use \"Other\". If you use \"Other\", it should be the ONLY category selected. Do NOT invent new categories. The response must be an array of strings, e.g., [\"Taxes\", \"Family\"].\"]\n}\n\n", "ai_response_raw": "{\n \"pl_ai_title\": \"Obniżenie oprocentowania federalnych kredytów studenckich do 2 procent\",\n \"pl_summary\": \"Ustawa wprowadza stałe oprocentowanie w wysokości 2% dla federalnych kredytów studenckich od lipca 2026 roku. Zmiana obejmie zarówno nowe pożyczki, jak i te już spłacane, co znacząco obniży koszty spłaty długu edukacyjnego dla milionów osób.\",\n \"pl_key_points\": [\n \"Stałe oprocentowanie 2% dla nowych i obecnych federalnych kredytów studenckich.\",\n \"Automatyczne obniżenie wyższych stawek procentowych od 1 lipca 2026 roku.\",\n \"Możliwość konsolidacji starszych pożyczek (FFEL) w celu uzyskania niższego oprocentowania.\",\n \"Obowiązek powiadomienia pożyczkobiorców o zmianach z 90-dniowym wyprzedzeniem.\",\n \"Prawo do rezygnacji z obniżki oraz utworzenie systemu zgłaszania błędów i skarg.\"\n ],\n \"eng_ai_title\": \"Lowering Federal Student Loan Interest Rates to 2 Percent\",\n \"eng_summary\": \"This bill sets a fixed 2% interest rate for all federal student loans starting July 1, 2026. It applies to both new loans and existing ones with higher rates, helping borrowers save money on their education debt.\",\n \"eng_key_points\": [\n \"Fixed 2% interest rate for new and existing federal student loans.\",\n \"Automatic reduction of interest rates higher than 2% starting July 1, 2026.\",\n \"Option to consolidate older loans to qualify for the lower 2% rate.\",\n \"Borrowers must be notified of the rate adjustment 90 days in advance.\",\n \"Right to opt out of the adjustment and access to a new complaint resolution process.\"\n ],\n \"de_ai_title\": \"Senkung der Zinsen für Bundesstudienkredite auf 2 Prozent\",\n \"de_summary\": \"Dieses Gesetz legt ab dem 1. Juli 2026 einen festen Zinssatz von 2 % für alle staatlichen Studienkredite fest. Dies gilt sowohl für neue als auch für bestehende Kredite mit höheren Zinsen und entlastet Kreditnehmer finanziell.\",\n \"de_key_points\": [\n \"Fester Zinssatz von 2 % für neue und bestehende Bundesstudienkredite.\",\n \"Automatische Senkung höherer Zinssätze ab dem 1. Juli 2026.\",\n \"Möglichkeit zur Konsolidierung älterer Kredite, um den 2 %-Satz zu erhalten.\",\n \"Informationspflicht gegenüber Kreditnehmern 90 Tage vor Inkrafttreten der Änderung.\",\n \"Recht auf Verzicht auf die Anpassung und Einrichtung eines Beschwerdeverfahrens.\"\n ],\n \"fr_ai_title\": \"Réduction des taux d'intérêt des prêts étudiants fédéraux à 2 %\",\n \"fr_summary\": \"Ce projet de loi fixe un taux d'intérêt fixe de 2 % pour tous les prêts étudiants fédéraux à partir du 1er juillet 2026. Il s'applique aux nouveaux prêts ainsi qu'aux prêts existants ayant des taux plus élevés, réduisant ainsi le coût de l'éducation.\",\n \"fr_key_points\": [\n \"Taux d'intérêt fixe de 2 % pour les prêts étudiants fédéraux neufs et existants.\",\n \"Réduction automatique des taux supérieurs à 2 % dès le 1er juillet 2026.\",\n \"Possibilité de regrouper les anciens prêts pour bénéficier du taux de 2 %.\",\n \"Notification obligatoire des emprunteurs 90 jours avant le changement de taux.\",\n \"Droit de refuser l'ajustement et création d'une procédure de réclamation pour les erreurs.\"\n ],\n \"es_ai_title\": \"Reducción de los intereses de préstamos estudiantiles federales al 2 por ciento\",\n \"es_summary\": \"Esta ley establece una tasa de interés fija del 2 % para todos los préstamos estudiantiles federales a partir de julio de 2026. Beneficia tanto a los nuevos préstamos como a los actuales con tasas más altas, reduciendo el costo de la deuda educativa.\",\n \"es_key_points\": [\n \"Tasa de interés fija del 2 % para préstamos estudiantiles federales nuevos y existentes.\",\n \"Reducción automática de intereses superiores al 2 % desde el 1 de julio de 2026.\",\n \"Opción de consolidar préstamos antiguos para acceder a la tasa del 2 %.\",\n \"Notificación obligatoria a los prestatarios 90 días antes del cambio.\",\n \"Derecho a renunciar al ajuste y creación de un proceso para resolver quejas.\"\n ],\n \"it_ai_title\": \"Riduzione dei tassi d'interesse sui prestiti studenteschi federali al 2%\",\n \"it_summary\": \"Questa legge fissa un tasso d'interesse del 2% per tutti i prestiti studenteschi federali a partire dal 1° luglio 2026. Si applica sia ai nuovi prestiti che a quelli esistenti con tassi più elevati, riducendo il peso del debito scolastico.\",\n \"it_key_points\": [\n \"Tasso d'interesse fisso al 2% per prestiti studenteschi federali nuovi ed esistenti.\",\n \"Riduzione automatica dei tassi superiori al 2% dal 1° luglio 2026.\",\n \"Possibilità di consolidare i vecchi prestiti per ottenere la tariffa agevolata del 2%.\",\n \"Obbligo di notifica ai mutuatari 90 giorni prima della modifica del tasso.\",\n \"Diritto di rinuncia all'adeguamento e istituzione di un processo di risoluzione dei reclami.\"\n ],\n \"nl_ai_title\": \"Verlaging van de rente op federale studieleningen naar 2 procent\",\n \"nl_summary\": \"Deze wet stelt vanaf 1 juli 2026 een vaste rente van 2% in voor alle federale studieleningen. Dit geldt voor zowel nieuwe leningen als bestaande leningen met een hogere rente, wat de kosten van onderwijs verlaagt.\",\n \"nl_key_points\": [\n \"Vaste rente van 2% voor nieuwe en bestaande federale studieleningen.\",\n \"Automatische verlaging van rentetarieven boven de 2% vanaf 1 juli 2026.\",\n \"Mogelijkheid om oude leningen te consolideren om het 2%-tarief te krijgen.\",\n \"Verplichte kennisgeving aan leners 90 dagen voor de wijziging plaatsvindt.\",\n \"Recht om af te zien van de aanpassing en oprichting van een klachtenprocedure.\"\n ],\n \"pt_ai_title\": \"Redução das taxas de juro dos empréstimos estudantis federais para 2 por cento\",\n \"pt_summary\": \"Esta lei estabelece uma taxa de juro fixa de 2% para todos os empréstimos estudantis federais a partir de julho de 2026. Aplica-se a novos empréstimos e a empréstimos existentes com taxas superiores, reduzindo o custo da dívida educativa.\",\n \"pt_key_points\": [\n \"Taxa de juro fixa de 2% para empréstimos estudantis federais novos e existentes.\",\n \"Redução automática de taxas superiores a 2% a partir de 1 de julho de 2026.\",\n \"Opção de consolidar empréstimos antigos para obter a taxa de 2%.\",\n \"Notificação obrigatória dos mutuários 90 dias antes da alteração da taxa.\",\n \"Direito de exclusão do ajuste e criação de um processo de resolução de reclamações.\"\n ],\n \"category\": [\"Education\"]\n}" }, { "timestamp": "2026-03-24T12:24:35.481Z", "source_url": "https://www.congress.gov/119/bills/hr7810/BILLS-119hr7810ih.htm", "model": "gemini-flash-lite-latest", "prompt_sent": "\nROLE: Fact Checker.\nZADANIE: Porównaj SOURCE (oryginał) i SUMMARY (streszczenie przygotowane przez inne AI).\n\nTwoim celem jest wykrycie \"ZMYŚLONYCH KONKRETÓW\" (Fabricated Entities) w SUMMARY.\n\nSOURCE:\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 7810 Introduced in House (IH)] 119th CONGRESS 2d Session H. R. 7810 To amend the Higher Education Act of 1965 to set interest rates for Federal student loans made on or after July 1, 2026, at 2 percent, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 4, 2026 Mr. Thompson of California (for himself and Mr. Moylan) introduced the following bill; which was referred to the Committee on Education and Workforce _______________________________________________________________________ A BILL To amend the Higher Education Act of 1965 to set interest rates for Federal student loans made on or after July 1, 2026, at 2 percent, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Lowering Student Loans Act''. SEC. 2. INTEREST RATES FOR FEDERAL STUDENT LOANS. (a) Federal Direct Loans.--Section 455(b) of the Higher Education Act of 1965 (20 U.S.C. 1087e(b)) is amended-- (1) by redesignating paragraphs (9) and (10) as paragraphs (10) and (11), respectively; (2) in paragraph (8)-- (A) in the heading of such paragraph, by striking ``2013.'' and inserting ``2013 and before july 1, 2026.''; and (B) in subparagraphs (A) through (D), by inserting ``and before July 1, 2026,'' after ``July 1, 2013,''; and (3) by inserting after paragraph (8) the following: ``(9) Interest rate provisions for loans on or after july 1, 2026.-- ``(A) Rates for direct loans other than consolidation loans.-- ``(i) New loans.--Notwithstanding the preceding paragraphs of this subsection, for Federal Direct Stafford Loans, Federal Direct Unsubsidized Stafford Loans, and Federal Direct PLUS Loans (including such a loan made to a parent on behalf of a dependent student) for which the first disbursement is made on or after July 1, 2026, the applicable rate of interest shall be 2 percent on the unpaid principal balance of the loan. ``(ii) Existing loans.--Notwithstanding the preceding paragraphs of this subsection and subject to subparagraphs (C) and (D), with respect to a loan described in clause (i) for which the first disbursement was made before July 1, 2026, and for which the applicable rate of interest is greater than 2 percent, beginning on July 1, 2026, the applicable rate of interest for such loan shall be 2 percent on the unpaid principal balance of such loan. ``(B) Rates for consolidation loans.-- ``(i) New loans.--Notwithstanding the preceding paragraphs of this subsection, any Federal Direct Consolidation Loan for which the application is received on or after July 1, 2026, shall bear interest at an annual rate on the unpaid principal balance of the loan that is 2 percent. ``(ii) Existing loans.--Notwithstanding the preceding paragraphs of this subsection and subject to subparagraphs (C) and (D), any Federal Direct Consolidation Loan for which the application was received before July 1, 2026, and which bears interest at an annual rate on the unpaid principal balance of the loan that is greater than 2 percent, shall, beginning on July 1, 2026, bear interest at an annual rate on the unpaid principal balance of the loan that is 2 percent. ``(iii) FFEL consolidation loans.--A borrower of a consolidation loan made, insured, or guaranteed under part B may consolidate such loan into a Federal Direct Consolidation Loan under this part in accordance with section 428C(a)(3)(B)(i)(V). ``(C) Notice and opt out for existing loans.--With respect to each borrower with a loan described in subparagraph (A)(ii) or a Federal Direct Consolidation Loan described in subparagraph (B)(ii), the Secretary shall-- ``(i) not later than the date that is 90 days before July 1, 2026, provide to the borrower notice of the adjustment of the applicable rate of interest for such a loan pursuant to this paragraph, which shall include information relating to opting out of such adjustment as described in clause (ii); and ``(ii) allow the borrower to, not later than 90 days after receiving such notice, opt out of such adjustment. ``(D) Terms and conditions.--Except as expressly provided in subparagraphs (A) and (B), nothing in this paragraph may be construed to alter or affect the terms, conditions, or benefits of a loan described in this paragraph. ``(E) Rate.--The applicable rate of interest under this paragraph for Federal Direct Stafford Loans, Federal Direct Unsubsidized Stafford Loans, Federal Direct PLUS Loans (including such a loan made to a parent on behalf of a dependent student), and Federal Direct Consolidation Loans shall be fixed for the period of the loan. ``(F) Loan servicers.--Not later than the date that is 90 days before July 1, 2026, the Secretary shall-- ``(i) notify student loan servicers of the rate adjustments for all loans pursuant to this paragraph; and ``(ii) establish a borrower complaint resolution process with respect to any errors or delays relating to such adjustments.''. (b) FFEL Loans.--Section 428C(a)(3)(B)(i)(V) of the Higher Education Act of 1965 (20 U.S.C. 1078-3(a)(3)(B)(i)(V)) is amended-- (1) in item (cc), by striking the period at the end and inserting a semicolon; (2) in item (dd), by striking the period at the end and inserting ``; and''; and (3) by adding at the end the following: ``(ee) for the purpose of being eligible for the annual interest rate described in section 455(b)(9)(C).''. \n\nSUMMARY TO EVALUATE:\nTitle: Lowering Federal Student Loan Interest Rates to 2 Percent\nSummary: This bill sets a fixed 2% interest rate for all federal student loans starting July 1, 2026. It applies to both new loans and existing ones with higher rates, helping borrowers save money on their education debt.\nKey Points: Fixed 2% interest rate for new and existing federal student loans., Automatic reduction of interest rates higher than 2% starting July 1, 2026., Option to consolidate older loans to qualify for the lower 2% rate., Borrowers must be notified of the rate adjustment 90 days in advance., Right to opt out of the adjustment and access to a new complaint resolution process.\n\nZASADY OCENY:\n1. Sprawdź wszystkie LICZBY, DATY i KWOTY w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n2. Sprawdź wszystkie NAZWISKA, ORGANIZACJE i MIEJSCA w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n3. Sprawdź wszystkie konkretne DZIAŁANIA PRAWNE . Jeśli tego mechanizmu nie ma w SOURCE -> is_valid: false.\n\nWAŻNE: Abstrakcyjne pojęcia (np. \"transparentność\", \"zaufanie\") są dozwolone jako wnioski.\n\nOUTPUT (JSON):\n{\n \"is_valid\": true/false,\n \"issue\": \"fabricated_entity\" / \"contradiction\" / \"none\"\n}\n\nWYMAGANIA FORMATOWANIA:\n1. Odpowiedz WYŁĄCZNIE surowym obiektem JSON.\n2. NIE używaj bloków kodu Markdown.\n3. NIE dodawaj żadnych wstępów ani wyjaśnień przed ani po JSONie.\n4. JSON musi być poprawny i gotowy do parsowania.\n\n", "ai_response_raw": "{\n \"is_valid\": false,\n \"issue\": \"fabricated_entity\"\n}" }, { "timestamp": "2026-03-24T12:15:30.545Z", "source_url": "https://www.congress.gov/119/bills/hr7810/BILLS-119hr7810ih.htm", "model": "gemini-flash-latest", "prompt_sent": "\nJesteś ekspertem od prawa Stanów Zjednoczonych, który ma za zadanie analizować dokumenty ustaw, uchwał oraz innych dokumentów legislacyjnych, a następnie przygotowywać z nich informacje w przystępny sposób dla obywateli. Twoim celem jest przedstawienie informacji tak, aby obywatele mogli sami ocenić wpływ legislacji na ich życie, nawet bez posiadania specjalistycznej wiedzy legislacyjnej. Skup się na faktach i obiektywnych skutkach wprowadzanych zmian, unikając wartościowania i osobistych opinii. Wszelki żargon prawny jest zabroniony. Prezentuj informacje w jasny, zwięzły i angażujący sposób, tak aby były zrozumiałe dla osoby bez wykształcenia prawniczego. Unikaj długich, złożonych zdań. Zamiast pisać \"projekt ma na celu nowelizację kodeksu podatkowego...\", napisz \"Zmiany w podatkach: nowe ulgi i obowiązki dla...\". Kontynuuj swoją pracę, dopóki nie rozwiążesz swojego zadania. Jeśli nie masz pewności co do generowanej treści, przeanalizuj dokument ponownie – nie zgaduj. Rozplanuj dobrze swoje zadanie przed przystąpieniem do niego. W podsumowaniu i kluczowych punktach, jeśli to możliwe i uzasadnione, podkreśl, jakie konkretne korzyści lub skutki (pozytywne lub negatywne) wprowadza ustawa dla życia codziennego obywateli, ich praw i obowiązków, finansów osobistych, bezpieczeństwa i innych ważnych kwestii (np. kategorycznych zakazów i nakazów czy najważniejszych konkretnych alokacji finansowych i terytorialnych).\n\nTwoja odpowiedź MUSI być w formacie JSON - i zawierać następujące klucze.\nZanim zwrócisz odpowiedź, dokładnie zweryfikuj, czy cała struktura JSON jest w 100% poprawna, włącznie ze wszystkimi przecinkami, nawiasami klamrowymi, kwadratowymi oraz cudzysłowami. Błędny JSON jest nieakceptowalny i uniemożliwi przetworzenie Twojej pracy.\n\nPrzeanalizuj dokładnie poniższy tekst dokumentu prawnego. To jest treść, na podstawie której masz wygenerować podsumowanie i kluczowe punkty:\n--- POCZĄTEK DOKUMENTU ---\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 7810 Introduced in House (IH)] 119th CONGRESS 2d Session H. R. 7810 To amend the Higher Education Act of 1965 to set interest rates for Federal student loans made on or after July 1, 2026, at 2 percent, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 4, 2026 Mr. Thompson of California (for himself and Mr. Moylan) introduced the following bill; which was referred to the Committee on Education and Workforce _______________________________________________________________________ A BILL To amend the Higher Education Act of 1965 to set interest rates for Federal student loans made on or after July 1, 2026, at 2 percent, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Lowering Student Loans Act''. SEC. 2. INTEREST RATES FOR FEDERAL STUDENT LOANS. (a) Federal Direct Loans.--Section 455(b) of the Higher Education Act of 1965 (20 U.S.C. 1087e(b)) is amended-- (1) by redesignating paragraphs (9) and (10) as paragraphs (10) and (11), respectively; (2) in paragraph (8)-- (A) in the heading of such paragraph, by striking ``2013.'' and inserting ``2013 and before july 1, 2026.''; and (B) in subparagraphs (A) through (D), by inserting ``and before July 1, 2026,'' after ``July 1, 2013,''; and (3) by inserting after paragraph (8) the following: ``(9) Interest rate provisions for loans on or after july 1, 2026.-- ``(A) Rates for direct loans other than consolidation loans.-- ``(i) New loans.--Notwithstanding the preceding paragraphs of this subsection, for Federal Direct Stafford Loans, Federal Direct Unsubsidized Stafford Loans, and Federal Direct PLUS Loans (including such a loan made to a parent on behalf of a dependent student) for which the first disbursement is made on or after July 1, 2026, the applicable rate of interest shall be 2 percent on the unpaid principal balance of the loan. ``(ii) Existing loans.--Notwithstanding the preceding paragraphs of this subsection and subject to subparagraphs (C) and (D), with respect to a loan described in clause (i) for which the first disbursement was made before July 1, 2026, and for which the applicable rate of interest is greater than 2 percent, beginning on July 1, 2026, the applicable rate of interest for such loan shall be 2 percent on the unpaid principal balance of such loan. ``(B) Rates for consolidation loans.-- ``(i) New loans.--Notwithstanding the preceding paragraphs of this subsection, any Federal Direct Consolidation Loan for which the application is received on or after July 1, 2026, shall bear interest at an annual rate on the unpaid principal balance of the loan that is 2 percent. ``(ii) Existing loans.--Notwithstanding the preceding paragraphs of this subsection and subject to subparagraphs (C) and (D), any Federal Direct Consolidation Loan for which the application was received before July 1, 2026, and which bears interest at an annual rate on the unpaid principal balance of the loan that is greater than 2 percent, shall, beginning on July 1, 2026, bear interest at an annual rate on the unpaid principal balance of the loan that is 2 percent. ``(iii) FFEL consolidation loans.--A borrower of a consolidation loan made, insured, or guaranteed under part B may consolidate such loan into a Federal Direct Consolidation Loan under this part in accordance with section 428C(a)(3)(B)(i)(V). ``(C) Notice and opt out for existing loans.--With respect to each borrower with a loan described in subparagraph (A)(ii) or a Federal Direct Consolidation Loan described in subparagraph (B)(ii), the Secretary shall-- ``(i) not later than the date that is 90 days before July 1, 2026, provide to the borrower notice of the adjustment of the applicable rate of interest for such a loan pursuant to this paragraph, which shall include information relating to opting out of such adjustment as described in clause (ii); and ``(ii) allow the borrower to, not later than 90 days after receiving such notice, opt out of such adjustment. ``(D) Terms and conditions.--Except as expressly provided in subparagraphs (A) and (B), nothing in this paragraph may be construed to alter or affect the terms, conditions, or benefits of a loan described in this paragraph. ``(E) Rate.--The applicable rate of interest under this paragraph for Federal Direct Stafford Loans, Federal Direct Unsubsidized Stafford Loans, Federal Direct PLUS Loans (including such a loan made to a parent on behalf of a dependent student), and Federal Direct Consolidation Loans shall be fixed for the period of the loan. ``(F) Loan servicers.--Not later than the date that is 90 days before July 1, 2026, the Secretary shall-- ``(i) notify student loan servicers of the rate adjustments for all loans pursuant to this paragraph; and ``(ii) establish a borrower complaint resolution process with respect to any errors or delays relating to such adjustments.''. (b) FFEL Loans.--Section 428C(a)(3)(B)(i)(V) of the Higher Education Act of 1965 (20 U.S.C. 1078-3(a)(3)(B)(i)(V)) is amended-- (1) in item (cc), by striking the period at the end and inserting a semicolon; (2) in item (dd), by striking the period at the end and inserting ``; and''; and (3) by adding at the end the following: ``(ee) for the purpose of being eligible for the annual interest rate described in section 455(b)(9)(C).''. \n--- KONIEC DOKUMENTU ---\n\nPAMIĘTAJ: Twoja odpowiedź MUSI być wyłącznie poprawnym obiektem JSON. Nie dodawaj żadnych dodatkowych znaków, komentarzy ani tekstu przed znacznikiem '{' ani po znaczniku '}'. Cała odpowiedź musi być parsowalna jako JSON.\nNa podstawie POWYŻSZEGO dokumentu, wypełnij poniższą strukturę JSON:\nOto struktura JSON, której oczekuję (wypełnij ją treścią):\n{\n \"pl_ai_title\": \"Nowy, krótki tytuł dla aktu prawnego po polsku, oddający sedno wprowadzanych zmian (np. maksymalnie 10-12 słów).\",\n \"pl_summary\": \"2-3 zdania zwięzłego podsumowania treści aktu prawnego po polsku, napisane z perspektywy wpływu na życie codzienne obywateli.\",\n \"pl_key_points\": [\n \"Pierwszy krótki punkt po polsku dotyczący najważniejszych wprowadzanych rozwiązań lub zmian.\",\n \"Drugi krótki punkt po polsku...\"\n ],\n \"eng_ai_title\": \"A new, short title for the legal act in English, capturing the essence of the changes (e.g., max 10-12 words).\",\n \"eng_summary\": \"2-3 sentences summarizing the legal act in English, from the perspective of its impact on citizens' daily lives.\",\n \"eng_key_points\": [\n \"First short bullet point in English regarding the most important solutions or changes being introduced.\",\n \"Second short bullet point in English...\"\n ],\n \"de_ai_title\": \"Ein neuer, kurzer Titel für das Rechtsdokument auf Deutsch, der den Kern der Änderungen erfasst (z.B. max. 10-12 Wörter).\",\n \"de_summary\": \"2-3 Sätze Zusammenfassung des Rechtsdokuments auf Deutsch, aus der Perspektive seiner Auswirkungen auf das tägliche Leben der Bürger.\",\n \"de_key_points\": [\n \"Erster kurzer Stichpunkt auf Deutsch zu den wichtigsten eingeführten Lösungen oder Änderungen.\",\n \"Zweiter kurzer Stichpunkt auf Deutsch...\"\n ],\n \"fr_ai_title\": \"Un nouveau titre court pour l'acte juridique en français, saisissant l'essence des changements (par exemple, 10-12 mots maximum).\",\n \"fr_summary\": \"Résumé de 2-3 phrases de l'acte juridique en français, du point de vue de son impact sur la vie quotidienne des citoyens.\",\n \"fr_key_points\": [\n \"Premier court point en français concernant les solutions ou changements les plus importants introduits.\",\n \"Deuxième court point en français...\"\n ],\n \"es_ai_title\": \"Un nuevo título breve para el acto jurídico en español, que recoja la esencia de los cambios (por ejemplo, máximo 10-12 palabras).\",\n \"es_summary\": \"Resumen de 2-3 frases del acto jurídico en español, desde la perspectiva de su impacto en la vida cotidiana de los ciudadanos.\",\n \"es_key_points\": [\n \"Primer punto breve en español sobre las soluciones o cambios más importantes que se introducen.\",\n \"Segundo punto breve en español...\"\n ],\n \"it_ai_title\": \"Un nuovo titolo breve per l'atto giuridico in italiano, che colga l'essenza delle modifiche (ad es. massimo 10-12 parole).\",\n \"it_summary\": \"Riepilogo di 2-3 frasi dell'atto giuridico in italiano, dal punto di vista del suo impatto sulla vita quotidiana dei cittadini.\",\n \"it_key_points\": [\n \"Primo breve punto in italiano riguardante le soluzioni o le modifiche più importanti introdotte.\",\n \"Secondo breve punto in italiano...\"\n ],\n \"nl_ai_title\": \"Een nieuwe, korte titel voor de rechtshandeling in het Nederlands, die de essentie van de wijzigingen weergeeft (bijv. max. 10-12 woorden).\",\n \"nl_summary\": \"Samenvatting van 2-3 zinnen van de rechtshandeling in het Nederlands, vanuit het perspectief van de impact op het dagelijks leven van burgers.\",\n \"nl_key_points\": [\n \"Eerste korte punt in het Nederlands betreffende de belangrijkste geïntroduceerde oplossingen of wijzigingen.\",\n \"Tweede korte punt in het Nederlands...\"\n ],\n \"pt_ai_title\": \"Um novo título curto para o ato jurídico em português, capturando a essência das mudanças (por exemplo, máx. 10-12 palavras).\",\n \"pt_summary\": \"Resumo de 2-3 frases do ato jurídico em português, na perspetiva do seu impacto na vida quotidiana dos cidadãos.\",\n \"pt_key_points\": [\n \"Primeiro ponto curto em português sobre as soluções ou alterações mais importantes introduzidas.\",\n \"Segundo ponto curto em português...\"\n ],\n \"category\": [\"Categorize the document into one category by default, based on the field it primarily concerns. Choose up to 3 if the document also touches upon SIGNIFICANT issues from other categories. You MUST select categories ONLY from the following list: Health, Education, Family, Taxes, Labor, Security, Environment, Courts and Law, Transport, Benefits, Real Estate, Media and Culture, Local Government, Migration, Agriculture, Public Investments, Informatization, Economy. If the document does not definitively fit any of these, you MUST use \"Other\". If you use \"Other\", it should be the ONLY category selected. Do NOT invent new categories. The response must be an array of strings, e.g., [\"Taxes\", \"Family\"].\"]\n}\n\n", "ai_response_raw": "{\n \"pl_ai_title\": \"Obniżenie oprocentowania federalnych kredytów studenckich do 2 procent\",\n \"pl_summary\": \"Ustawa wprowadza stałe oprocentowanie w wysokości 2% dla federalnych kredytów studenckich od lipca 2026 roku. Zmiana obejmie zarówno nowe pożyczki, jak i te już spłacane, co znacząco obniży koszty spłaty długu edukacyjnego dla milionów osób.\",\n \"pl_key_points\": [\n \"Stałe oprocentowanie 2% dla nowych i obecnych federalnych kredytów studenckich.\",\n \"Automatyczne obniżenie wyższych stawek procentowych od 1 lipca 2026 roku.\",\n \"Możliwość konsolidacji starszych pożyczek (FFEL) w celu uzyskania niższego oprocentowania.\",\n \"Obowiązek powiadomienia pożyczkobiorców o zmianach z 90-dniowym wyprzedzeniem.\",\n \"Prawo do rezygnacji z obniżki oraz utworzenie systemu zgłaszania błędów i skarg.\"\n ],\n \"eng_ai_title\": \"Lowering Federal Student Loan Interest Rates to 2 Percent\",\n \"eng_summary\": \"This bill sets a fixed 2% interest rate for all federal student loans starting July 1, 2026. It applies to both new loans and existing ones with higher rates, helping borrowers save money on their education debt.\",\n \"eng_key_points\": [\n \"Fixed 2% interest rate for new and existing federal student loans.\",\n \"Automatic reduction of interest rates higher than 2% starting July 1, 2026.\",\n \"Option to consolidate older loans to qualify for the lower 2% rate.\",\n \"Borrowers must be notified of the rate adjustment 90 days in advance.\",\n \"Right to opt out of the adjustment and access to a new complaint resolution process.\"\n ],\n \"de_ai_title\": \"Senkung der Zinsen für Bundesstudienkredite auf 2 Prozent\",\n \"de_summary\": \"Dieses Gesetz legt ab dem 1. Juli 2026 einen festen Zinssatz von 2 % für alle staatlichen Studienkredite fest. Dies gilt sowohl für neue als auch für bestehende Kredite mit höheren Zinsen und entlastet Kreditnehmer finanziell.\",\n \"de_key_points\": [\n \"Fester Zinssatz von 2 % für neue und bestehende Bundesstudienkredite.\",\n \"Automatische Senkung höherer Zinssätze ab dem 1. Juli 2026.\",\n \"Möglichkeit zur Konsolidierung älterer Kredite, um den 2 %-Satz zu erhalten.\",\n \"Informationspflicht gegenüber Kreditnehmern 90 Tage vor Inkrafttreten der Änderung.\",\n \"Recht auf Verzicht auf die Anpassung und Einrichtung eines Beschwerdeverfahrens.\"\n ],\n \"fr_ai_title\": \"Réduction des taux d'intérêt des prêts étudiants fédéraux à 2 %\",\n \"fr_summary\": \"Ce projet de loi fixe un taux d'intérêt fixe de 2 % pour tous les prêts étudiants fédéraux à partir du 1er juillet 2026. Il s'applique aux nouveaux prêts ainsi qu'aux prêts existants ayant des taux plus élevés, réduisant ainsi le coût de l'éducation.\",\n \"fr_key_points\": [\n \"Taux d'intérêt fixe de 2 % pour les prêts étudiants fédéraux neufs et existants.\",\n \"Réduction automatique des taux supérieurs à 2 % dès le 1er juillet 2026.\",\n \"Possibilité de regrouper les anciens prêts pour bénéficier du taux de 2 %.\",\n \"Notification obligatoire des emprunteurs 90 jours avant le changement de taux.\",\n \"Droit de refuser l'ajustement et création d'une procédure de réclamation pour les erreurs.\"\n ],\n \"es_ai_title\": \"Reducción de los intereses de préstamos estudiantiles federales al 2 por ciento\",\n \"es_summary\": \"Esta ley establece una tasa de interés fija del 2 % para todos los préstamos estudiantiles federales a partir de julio de 2026. Beneficia tanto a los nuevos préstamos como a los actuales con tasas más altas, reduciendo el costo de la deuda educativa.\",\n \"es_key_points\": [\n \"Tasa de interés fija del 2 % para préstamos estudiantiles federales nuevos y existentes.\",\n \"Reducción automática de intereses superiores al 2 % desde el 1 de julio de 2026.\",\n \"Opción de consolidar préstamos antiguos para acceder a la tasa del 2 %.\",\n \"Notificación obligatoria a los prestatarios 90 días antes del cambio.\",\n \"Derecho a renunciar al ajuste y creación de un proceso para resolver quejas.\"\n ],\n \"it_ai_title\": \"Riduzione dei tassi d'interesse sui prestiti studenteschi federali al 2%\",\n \"it_summary\": \"Questa legge fissa un tasso d'interesse del 2% per tutti i prestiti studenteschi federali a partire dal 1° luglio 2026. Si applica sia ai nuovi prestiti che a quelli esistenti con tassi più elevati, riducendo il peso del debito scolastico.\",\n \"it_key_points\": [\n \"Tasso d'interesse fisso al 2% per prestiti studenteschi federali nuovi ed esistenti.\",\n \"Riduzione automatica dei tassi superiori al 2% dal 1° luglio 2026.\",\n \"Possibilità di consolidare i vecchi prestiti per ottenere la tariffa agevolata del 2%.\",\n \"Obbligo di notifica ai mutuatari 90 giorni prima della modifica del tasso.\",\n \"Diritto di rinuncia all'adeguamento e istituzione di un processo di risoluzione dei reclami.\"\n ],\n \"nl_ai_title\": \"Verlaging van de rente op federale studieleningen naar 2 procent\",\n \"nl_summary\": \"Deze wet stelt vanaf 1 juli 2026 een vaste rente van 2% in voor alle federale studieleningen. Dit geldt voor zowel nieuwe leningen als bestaande leningen met een hogere rente, wat de kosten van onderwijs verlaagt.\",\n \"nl_key_points\": [\n \"Vaste rente van 2% voor nieuwe en bestaande federale studieleningen.\",\n \"Automatische verlaging van rentetarieven boven de 2% vanaf 1 juli 2026.\",\n \"Mogelijkheid om oude leningen te consolideren om het 2%-tarief te krijgen.\",\n \"Verplichte kennisgeving aan leners 90 dagen voor de wijziging plaatsvindt.\",\n \"Recht om af te zien van de aanpassing en oprichting van een klachtenprocedure.\"\n ],\n \"pt_ai_title\": \"Redução das taxas de juro dos empréstimos estudantis federais para 2 por cento\",\n \"pt_summary\": \"Esta lei estabelece uma taxa de juro fixa de 2% para todos os empréstimos estudantis federais a partir de julho de 2026. Aplica-se a novos empréstimos e a empréstimos existentes com taxas superiores, reduzindo o custo da dívida educativa.\",\n \"pt_key_points\": [\n \"Taxa de juro fixa de 2% para empréstimos estudantis federais novos e existentes.\",\n \"Redução automática de taxas superiores a 2% a partir de 1 de julho de 2026.\",\n \"Opção de consolidar empréstimos antigos para obter a taxa de 2%.\",\n \"Notificação obrigatória dos mutuários 90 dias antes da alteração da taxa.\",\n \"Direito de exclusão do ajuste e criação de um processo de resolução de reclamações.\"\n ],\n \"category\": [\"Education\"]\n}" } ] }