| http://www.w3.org/ns/prov#value | - For purposes of this Paragraph, ???Effective Interest Rate??? shall mean any interest rate, other than the contract rate or APR, including a rate of interest that is calculated based on the amount of reduced loan interest costs which a Potential Borrower may realize if the Potential Borrower elects to accelerate repayment of the loan or is permitted to deduct the loan interest payments from federa
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