All Direct Subsidized and Unsubsidized Loans disbursed between July 1, 2014 and June 30, 2015 carry a fixed interest rate of 4.66% for undergraduates. Graduate or professional students receiving a Direct Unsubsidized Loan disbursed between July 1, 2014 and June 30, 2015 will have a fixed interest rate of 6.21%.
There is a problem when the valve that controls what blood is good and what blood is used, no longer is strong enough to control this flow. Heart valves get damaged or simply wear out. I think you are asking what causes blood to flow in the wrong direction. My guess is that it would be a faulty heart valve.
Backwards leakage of blood from the aorta into the left ventricle as a result of a weakened aortic valve, resulting in unhealthy stress in the left heart side of the heart and inadequate blood flow to the body.