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A lower rate can lead to a decline in saving account rate to close to 2%. The credit cards with variable interest rates will have to pay back at a lower rate as the Fed and banks prepare to bring down the prime rate. Those with adjustable rate mortgages and home equity loans of credit linked to prime rate may see a drop in payback rate. A drop in student loan rate with a standard variable rate and a similar drop in car loans will allow the consumers to pay back less for the respective loans.
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