Answer:
Employer has identified your Interest.
Step-by-step explanation:
During any course of negotiation, parties have two sets of interests to consider: personal interests and the interests of the other side (employer).
Interests are a party's underlying reasons, values or motivations. It explains why someone is trying to take a particular position.
From the question, an increase in salary by $3000 is needed to pay off student loan. This is the point of interest. The employer identifies this and offers to assume the loan at 0% interest rate instead.