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The rep threw out all the lingo about Obamas student debt relief initiative and made it sound like the company legitimately works with the Dept.
To compound the issues, a Wall Street analyst indicated, "the average customer makes 11 transactions a year,” compounding their problem and their financial woes.
Prepayment penalties can also wipe out the benefits of refinancing.
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I lived in a tiny apartment with only running water, a hot plate, and a small number of pans for supplies, and I had reached the point where I was literally looking for money in the streets on my way home from work or class and trading in aluminum cans for their nickel refund.