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Note that the Bureau believes that the proposed requirement to assess ATR before making a covered loan or to comply with one of the conditional exemptions would reduce the frequency with which borrowers receive loans that they do not have the ability to repay.

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Often these scammers tend to rear their ugly heads when someone with a student loan is making changes to his or her current plan, like consolidation, lowering payments or trying to have debt removed.

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In reality, these amounts will vary by lender and by borrower.

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