There are too many whining slackers.

They could also re-fi.

I get these notices from credit card companies all the time offering to lend me money for 18-24 months for a one-time up-front fee of 3-5% which is added to the total loan amount. It works out that the true interest rate is 2.33% to 2.5%. If you pay it according to terms, you can then renew it for another period.

This might work for some of the slackers if they haven't already ruined their credit rating by being a slacker.