In most cases, resins are the result of a chemical reaction between epichlorohydrin and bisphenol-A. Overall, the creation of epoxy resin is part of an industry that generates over $15 billion US Dollars annually. Epoxy resins have many different uses. For example, resins that are cured through exposure to ultraviolet light are commonly used in fiber optics, optoelectronics, and dentistry. Industrial tooling applications use them to make laminates, castings, fixtures, and molds.
Under a graduated repayment plan, payments start out low and increase during the course of the repayment period. The payments usually increase every two years. For FFEL Loans and Direct Loans that entered repayment on or after July 1, 2006, the loan still must be paid over a period of 10 years.
A study found 73 per cent of graduates will take so long to repay their debt they will qualify for it to be written off after 30 years â when most will be at least 51. 1  Three-quarters of university graduates will still be paying off student loans in their 50s, research has revealed. Middle-income professionals such as teachers face repaying up to Â£2,500 a year throughout their 40s, a time when many will be raising families and servicing large mortgages.