18% is actually the threshhold. Here is a link:
But it is up to you as to what you sign. This new part of the deal I'm sure was not in the original agreement. So you can negotiate a better interest rate, term, etc.
As far as waiving a jury trial, yes, that is normal. You have to decide if you want to agree with that as well. Often juries are not that smart. Judges are supposed to be. So you have to decide if you want someone smart looking at your case and deciding it or someone not so smart and maybe that could be easier or harder to sway.
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