The Young Farmer Interest Rate Reducation Program is administered by the Texas Agricultural Finance Authority and offers low interest commercial lending for farmers 18-45.  The program is intended to facilitate a below-market interest rate to eligible and creditworthy applicants through a commercial lender. The lender must be a financial institution that makes commercial loans, be certified as a state depository by the Comptroller of Public Accounts and agree to participate in the Young Farmer Interest Rate Reduction Program.