The U.S. Department of Agriculture has recently announced that as of October, areas in Knightdale, Garner, Fuquay-Varina, Clayton, and Carrboro are no longer eligible for rural development loans, which do not require a down payment or closing costs and offer lower interest rates. According to USDA State Director Reginald Speight, the assessment done every five years takes into account population density and other factors. As a result, more people are willing to take longer drives and move farther away to get the necessities they need.