But lenders and admins don't tell people about it. The 10% PAYE option means someone who makes $60K a year ends up paying $360 a month for 20 years, and then at the end of that 20 years if there's a balance, it's forgiven. 25 years for graduate school loans.

So when I hear people paying $1200 a month, I think they must not be away of the PAYE option or they're making $200K a year.

Dropping ti to 5% makes that $360, $180, it's life changing and tha'ts what Joe promised to do.