I am in the process of beginning payment on student loans that were
obtained through 1992 and have been in default.  I have been advised
that the interest rate will be 8% because of a "Windfall Provision
Act" passed in 1995.  This act apparently says that loans prior to
that date do not get to take advantage of lower interest rates.  Any
loans made in 1996 could now actually be paid back at about 3%.  I am
looking for information about this.  If I am not stuck with 8% it
would be great.  My tax advisor and attorney have no clue and don't
know where to look.  I can't find anything by searching for "windfall
provision . . ."