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A lower interest rate can result in lower monthly payments and ultimately save the loans borrower money over the life of the loan. Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor.

If you are looking for a lender that is committed to supporting local businesses and organizations, a credit union may be a good choice. This can be especially helpful if you are facing financial difficulties or are unable to make regular monthly payments. That makes it easier for people who might have trouble getting approved for other types of loans.

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