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This is still a shockingly high interest rate (60%), but the total cost is dramatically less.
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I hear horror stories on the news or read it via the paper where children are close to $100k in student loan debt and some of these graduates dont have jobs; others make less than $35k gross a year with $100k+ in student loans.
Payday loans 24 hrs a day with few exceptions, World requires its customers to pledge personal possessions as collateral that the company can seize if they don't pay.
At the point of applying you will be presented with 3 flexible repayment terms split over 3, 5 or even 6 months if you prefer.