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Charged for any transaction made in foreign currency or any transaction made with an overseas merchant.
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Some lenders do to applicants who have listed Centrelink benefits as their only source of income.
Lending agencies should be able to turn the application around and provide the money within 24 hours.
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You must fill out an application with your chosen lender and notify your school.
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Ultimately, this will result in your interest payments ballooning on future loan payments.