Why did the interest rate change on one of my Notes?

We may alter the terms or make principal reductions on some borrower loans, which may include cases where a reduction in the initial interest rate is required by law. Where a borrower obtains a loan while not on active military duty and later enters active military duty, the Servicemembers’ Civil Relief Act (SCRA) permits that borrower to request a reduction in their interest rate to 6% while that borrower serves active military duty.