An effort by congressional Democrats and the Obama administration to overhaul the student lending process is being hampered by a lobbying effort by banks that would lose business under the plan. An upset victory by Scott Brown in a special election to fill a vacant Massachusetts Senate seat and the ongoing fight over health care reform also threaten the measure. "We anticipated this" lobbying by the student lenders, said Education Secretary Arne Duncan. "They've had a sweet deal. They've had this phenomenal deal that taxpayers have subsidized, and that's a hard thing to give up."