You’ve probably hear about the new federal law boosted student loan rates for parents and kids. Parents’ rates went up about 80 percent, and that won’t be coming back down. The good news is that the rates – 6.8% for students and 8.5% for parents – are the maximum rates. In other words, people in the lending business can undercut those rates. And one site - myrichuncle.com - is offering discounted rates. So, check it out.