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Student Loans

I have 3 student loans taken out in 95, 96 and 97. I have read that these older loans are now in negative interest. I received a statement from a new company and the SLC have obviously sold these loans off, however I am being charged 3.8% interest. Can anyone explain what is going on, and why I am being charged over the odds for loans that should now be paying themselves off! Thanks
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