The creditors--TIAA-CREF and Prudential among them--hit Allen up for a 9% interest rate, which meant $14 million in annual debt service.

债权人——美国教师退休基金会和保诚集团也在其中——要阿伦付9%的利息，这意味每年要偿付1400万美元利息。

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TIAA-CREF, a pension fund for American academics, is also run on a co-op basis.

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But Rhim says he started contemplating a change because TIAA-CREF's corporate culture was changing.

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Most state plans run by TIAA-CREF offer guaranteed options currently paying 3% to 4%.

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