Low interest rates We have had historically low interest rates in the United States for several years now. Comment on the effect this has on borrowers, lenders, savers, and retirees. Has this made a difference in the way you or your family plan for the future? (200 words min.) Low interest rates We have had historically low interest rates in the United States for several years now. Comment on the effect this has on borrowers, lenders, savers, and retirees. Has this made a difference in the way you or your family plan for the future? (200 words min.)