Any help to reduce the cost of student loans would be a welcome Act. The interest rate is too high. Student loans should be the lowest rates, home mortgages next, then auto loans. Credit card interest rates are entirely too high. Ten percentage interest should be the maximum on credit cards. Too many consumers are struggling with credit card debt because their wages are not increasing to cover basic living expeensives so they go into debt to cover these costs. Then they are trapped in the credit cycle with no way to get out.