<prompt> Human: I heard on NPR that the gov has recently changed student loan rates. They are saying it is now locked to the 10 year T-Note, and has a cap. I have my loans through sally may and the new rates they are talking about might be lower than my current ARP. Does anyone know or have resources for refinancing student loans? More info? I am doing some googling on my own here but dont know the keywords to get good info on the subject.  <response>: Private loans are not affected by the recent legislation actually more like a lack of legislation. 