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- And the most important he or she should have a steady income. small instant payday loan If the rates and/or terms offered to you for your bad credit personal loan are not suitable to you, you are not obligated to commit to it. A: There are plenty of college loans that can be availed even if you have a bad credit situation. Federal loans are the most popular option, as these loans have easy terms and low interest rates. Schools and universities also have their own financial aid programs as well as scholarships and grants.
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