For REALS?

From: My Student Loan Servicer

Dear DIANE BISGEIER,
Congratulations! We are pleased to inform you that you have qualified for the NextStudent program by making on-time payments on your CONSOLIDATION LOAN. Beginning with your next installment, we will lower the interest rate on your eligible loans by 1 percentage point for the remaining term.

Sincerely....

My life-motto has been:
"If it's too good to be true, it probably is." Could it be that none of my loans are "eligible"? Or that my "remaining term" just expired? Or...?

No, it's a new season. Here's to suspending disbelief!