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MBlume comments on The Last Days of the Singularity Challenge - Less Wrong
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This is an excellent question. There's been a lot of discussion of discount rates around here, and the general consensus seems to be that they're above student-loan rates, though I'd like to show this to Anna and Michael.
ETA: Just spoke with Michael Vassar. By any estimate, our discount rates are higher than student loan rates. If you can give now, please do.