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If you're thinking about getting a loan, make sure to do your research and choose a lender that you can trust. As a result, they may be able to offer lower interest rates on personal loans than banks or other for-profit lenders.

More flexible repayment terms: Credit unions may be more willing to work with you to find a repayment schedule that fits your needs and budget. Don't max out your credit cards or take on more debt than you can handle.

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