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This will delay the assessment of your application.
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You are on a 20-year payment plan and have paid 10 years toward to loan, so you have 10 years remaining.
They will look at each company, detailing information about how long they have been in business, and their track record for approvals.
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There are significant variation in charges applied.
Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.
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Second, a lender would be permitted under proposed § 1041.
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I know it sounds unfair, but in all seriousness, not everyone is going to be able to pass this exam.