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The Income Based Repayment option applies to Stafford, Grad PLUS or consolidation loans made under either the Direct Loan or Federal Family Education. and in no way reflects the opinion of ABC News.

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"We are making mortgage loans," President John Hirabayashi said. "We are not in and out of the market, we are not dependent upon some other entity giving us funding so that we can make mortgages." Moreover, unlike independent.