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As a kid you can mow lawns, walk dogs, wash cars, sell baked goods, lemonade, bottled water (at yard sales).
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You can also arrange to have payment of the loan automatically withdrawn on your next payday
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Private student loans may only do so after obtaining a judgment against the debtor.
If there are additional fees on top of the interest rates, this is also explained.
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The interest rate is the price of money.
For example, if a consumer can receive only a sequence of two covered short-term loans under § 1041.
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So from there, I would reccomend setting up an automatic payment from your savings/checking account whichever you can afford to do so with to pay automatically both of these credit cards so that they will never be late no matter how hectic your life gets.