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If your plan allows hardship withdrawals, your request will need to be approved either by a committee or a designated representative who has agreed to accept the legal responsibility for making the decision.
Its a good idea to protect yourself as much as you possibly can.
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The cost of the loan is usually not the deciding factor for most clients; day to day living and getting a fair settlement are often the driving things being considered.
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Although it is a good idea to have access to some emergency cash, an overdraft is one of the most expensive ways to borrow because of high penalties, fees and charges.
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