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These loans often have much higher interest rates and fees than online loans or traditional loans, which can make them difficult to repay. Make sure to pay all of your bills on time, including credit card bills, utility bills, and other recurring payments.

Instead, try to pay your balances in full each month and only charge what you can afford to pay off. If the loans borrower consistently maxes out their credit limit and carries a high balance from month to month, they may end up paying more in interest and fees over time.