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As far as the brunner test, I think a good faith effort to pay has certainly been made to Navient considering the approx $100k that was paid to them in 2008, loan me money in California.
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It sounds like you are just looking for something short-term and you have the capability to pay back the loan quite quickly.
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The Bureau estimates that the costs associated with the new recordkeeping requirements of the proposed rule on small entities originating covered longer-term loans are the same as the costs on small entities originating covered short-term loans, as described above.