The Government Savings Bank (GSB) and Education Ministry launched a debt relief program for 280,000 teachers and education personnel, cutting interest rates from 6-7% to 3.5% (or 4% for delinquent accounts) through 2027. Regular payers save time on repayment by 4-9 years; delinquent borrowers get a 3-month grace period to return to good standing. The bank expects to lose hundreds of millions baht annually but prioritizes financial freedom for educators.