When I started my career after leaving school, I was heavily in debt. I took out a student loan but I did not know to grant an extension of the loan for another year when I served in the armed forces. I became a bad credit borrower and the bank refused to lend the money to me again. On one occasion, I had to pay my insurance premium but I was a little short. If I took out the loans for bad credit, I would not have a painful experience.

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